I'm having fun, but there are a lot of other reasons, I'm doing this investment that you probably don't have, can't get, or can't take the potential loss. 

You might need to accept losses on some properties, but sometimes that's the cost of learning.I'm glad you found a better property manager.

The conversation, as well as this decision, left me wondering how many insureds are denied policy coverage and cannot afford to bring a suit against the insurer and are unable to recover their loss.

The title Co is at a loss, has anyone ever done this and how did they purchase the property?

@Chris May,The annual interest on the payments to replenish the HELOC.Since accelerating the mortgage "loses" some deductible interest, the HELOC interest "recovers" some of it.Ideally, of course, you'll be zeroing your taxable income through other strategies.

A strong buyers market indicates sellers price cutting and listings being bought under value which would lead to equity losses. 

Listing after 2-3 months would also mean loss of rent, whereas listing now may mean property may be on the market for a bit longer.What have others experienced?

the lower the cash in (starting with the DP), the quicker you recover your cost. 2)  Solid, as in equity. 

So I am at a loss and would really appreciate any advice. 

Demand for February/March move-ins should see a notable uptick sometime in January, but you'll for sure see your strongest rental demand in late spring/summer.Your most recent post mentioned that you were going to look for someone for a 6-month lease - I think this is a great way to approach it to minimize vacancy loss while biding your time until we get into the higher demand summer months.Getting creative with your lease term and credits/concessions could also be a good way to solve a few potential problems in one shot.