If it’s a structured settlement and you aren’t getting a lump lum, you could contribute some of that to a Roth or Traditional IRA each year, or if you are self employed even more to a SEP IRA.Also what’s your short term, mid term and long term objectives?

At first, since mid-2020, the rent was late but steady every month with rental assistance.

. - some strategies I've seen California investors use to lessen negative cash flow: house hacking, mid-term rentals (people temporarily displaced from home renovation or insurance reasons like fire), rent by the room, Short Term Rentals. - The ultimate house hack, live in the small ADU unit and rent out the two levels of the main house on AirBnb in San Francisco (I would have thought STRs are oversaturated in S.F. but it worked for them and they stay fully booked).

A 4-plex would be ideal and you could play around with doing 1 long-term, 1 mid-term, and 1 short-term, plus you, if it works on your area to upgrade your income.

Is this for mid term rentals?

I’ve heard from Forbes that local lenders in Omaha tend ot waive fees if you bundle accounts.By the way, has anyone here used HELOC funds for mid-term rentals?

Something like a house hack, rent out extra bedrooms in your unit, rent by the room, mid term, short term rent the owner occupied unit on busy weekends (and go stay with friends/family)...get really scrappy.

.- K-1s were not made available until mid Sept every year.- Communication is poor, I have to repeatedly chase for updates.

As someone who is also from cost prohibitive NYC we chose to invest in the Mid-West. 

I own a couple of homes in a neighborhood built in the mid 80s and late 70s.