@Aaron K. thank you, I like the idea of restructuring my list.

The insurance market in S FL is in a restructure if you will.

Scope of rehab included: - 3 new kitchens (cabinets, counter tops, appliances)- 3 new bathrooms (flooring, vanities, toilets, bathtub surround)- Refinish 1500 sq ft of hardwood floors- restructure garage- new roof- replace furnace and service 2 other furnaces- replace 27 windows- replace kitchen and bathroom flooring (used Home Decorations LVP Flooring)- Paint walls, ceilings, trim (used Sherman Williams Agreeable Grey)- landscapingAfter our full renovation we went 16k over budget.

- 3 new kitchens (cabinets, counter tops, appliances)- 3 new bathrooms (flooring, vanities, toilets, bathtub surround)- Refinish 1500 sq ft of hardwoods- restructure garage- new roof- replace furnace, service 2 other furnaces- replace 27 windows- replace kitchen and bathroom flooring (Home Decorations LVP Flooring)- paint walls, ceilings, trim (Sherman Williams Agreeable Grey)Leased out 2/3 units showing a total income of $2090.

- 3 new kitchens (cabinets, counter tops, appliances)- 3 new bathrooms (flooring, vanities, toilets, bathtub surround)- Refinish 1500 sq ft of hardwoods- restructure garage- new roof- replace furnace, service 2 other furnaces- replace 27 windows- replace kitchen and bathroom flooring (Home Decorations LVP Flooring)- paint walls, ceilings, trim (Sherman Williams Agreeable Grey) What was the outcome?

Credit Reporting During COVID-19")This advisory from Stokes Lawrence says two interesting things:A loan modification is normally classified as a "troubled debt restructuring" (TDR), which negatively affects credit.

Shortest I hear of is 3 yrs,  3pts first yr, 2pts 2nd, down to 1 pt 3 yr then if you sell or restructure (sell one out of the bundle) no pre pay but costs to restructure the loan or be forced to put a new loan with a new closing on the remaining houses.I've heard of DSCR loan terms down to 6% a pt to close 30 yr fixed. 

Purchase price: $365,000 Cash invested: $525,000 Sale price: $685,000 This property needed a Interior and Exterior Renovation, and floor plan re-structuring to optimize square footage.

Since there was some floor plan re-structuring since we added a bedroom on each floor, and removed a wall to open up kitchen/living room area, it would have be better to demo all plaster and start fresh.

Purchase price: $365,000 Cash invested: $525,000 Sale price: $685,000 This property needed a Interior and Exterior Renovation, and floor plan re-structuring to optimize square footage.