First, our winters here in Boston can be rough - and tenants can be very sensitive to issues due to lack of insulation (cold spots and drafts) Second - big picture you may not have this property forever and will need to insulate before selling because that will impact how a potential buyer will value the home.

(Investments)  We deal with sensitive information regarding our tenants and their private information. 

Things like evictions or rent increases are very sensitive subjects.

Ask your prospective sponsors how they handle sensitive/personal data.

Rent is hyper sensitive to locations within an area.  

Also, it is a bit time sensitive and the owner will bring this to the market in about a months time...Is it possible to combine 3 strategies here and do a 3% FHA, BRRRR, AND a construction loan?

Good luck and remember, these can be very sensitive situations so look to help them first.I hope this is helpful

As the owner of a plumbing company here in San Diego, I'm definitely more sensitive to asking for free advice from busy professionals while I'm still deciding if this market even makes sense.

However, one thing I would add is that, when vetting a Sponsor/deal, their acknowledgement and analysis of a "bad" situation is certainly welcome.For example, a sensitivity analysis that supports say a 2-3% return even if occupancy and rents don't come anywhere near projections, is still relatively attractive given potential returns on other investment vehicles.If a Sponsor you're considering is all rainbows and sunshine, I would take that as a red flag and move on.

SF is much more sensitive to vacancy risk and CapEx expenditures.