We've had reports of folks waiting hours each day just to receive a pass to enter residential streets, which is enormously frustrating when our sole priority is helping the community rebuild as quickly as possible.As for your comment about finding excuses already not to cover something, can you send me an email directly or a DM on that?

They are essentially the same thing you are describing, but sharing an "expert opinion".I am also not a fan of how BiggerPockets itself is doing this same thing in the forum by posting blog posts and you don't have the ability to comment on the posting (because some times I disagree with the posting!) 

@Nicholas Dilloncongratulations on your success so far. a few comments.1. is BRRRR still achievable in 2025? 

Great comments. 

Quote from @Zach Howard: @Jay HinrichsJust curious, any advice/comments/thoughts about how to possibly get started lending? 

@John Friendas  back to Jay's comment, it shouldn't matter if you plan on purchasing another property soon after.

They have had many drawbacks in the past but they are quick to put out new features and do actually make changes based on comments in the forums.

Please do comment if wrong:If you are not residing in a unit then a homeowner’s insurance will not cover anything.

@Jennifer Fernéz I run sum numbers for you with our tool, see comments and pics below before refinancing and post refinancing .Financial Breakdown: Purchase Price: $200,000 Mortgage (LTV 80%): $160,000 Interest Rate: 6% (30-Year Amortization) Mortgage Monthly Payment: $959Upfront Costs: Down Payment (20%): $40,000 Closing Costs (3.5%): $7,000 Renovation Costs: $15,000 1 Month of Carrying Costs During Renovation: $1,548Total Upfront Required: $63,548Year One Rent: Monthly Rent Income: $2,000 1 Month Rent Losses during renovations (-$2,000): -$167/month distributed over 12 months Total Rent Income: $22,000 per year => $ 1,833 per monthMonthly Expenses: Mortgage Payment: $959 Property Tax (Assuming $3,000/year): $250 per month Property Insurance (Assumption): $100 per month Utilities (Hydro, Gas, Water): $275 per month Assuming 5% Vacancy: $92 Assuming 0 % Repairs & Maintenance first year because unit has been recently renovated Total Monthly Expenses: $1,676Monthly Net Cash Flow: $157Post-Renovation Refinancing Strategy after 12 months:So far, we’ve purchased the property, completed renovations, and rented it out.Next, you can approach the bank for a refinance to consolidate a portion of your initial investment into a mortgage.

To update my December 4 comment: The filing requirement is back on as of December 23, after an appellate court ruling.