My main barrier is:1) Lack of Cash-flow - I live in a market where rental rates and home prices are on opposite sides of the spectrum.

They’re pretty much at the opposite ends of the spectrum.

Hi @James Campbell, we just closed on both a HELOC and a Spectrum Home Loan with PCU a few days ago. 

I would recommend a spread across the spectrum as @Daniel Hyman suggested, the old adage of "... eggs and baskets..." come into play.

We offer commercial lending as well as the full spectrum of residential products, including construction.  

----------------------------------------------------------------------------------------------------------------------------------------------------------------------------Now for the value add partBuild an ADU for $40,000-$90,000 (Property allows for a number of ways to build something).Or on the simpler end of the spectrum build a deck with a Yurt for $5,000-$10,000 to move into.Rent out the upstairs and downstairs ($3587-$3400= $187 remaining or $3150-$3400= $250 cashflow)Or there are definitely ways to add value to this house through bathroom remodel or adding some square footage to accommodate an additional bedroom.

You just need to hope you can find a spot on that spectrum that works for your situation.  

Do they have Dish, Spectrum, the Sports channel, other premium channels?  

My read of the situation is that this property is on the lower end of the spectrum of their portfolio and I may be able to convince them to offload it for cash in a turbulent time.

I've routinely seen people purchase and rehab all in for under 50K and get rents of 800+ per month.On the opposite end of the spectrum are clean houses in the far north east that you could purchase and rehab for under 130K, and usually expect a rent rate around 1200-1300 per month just as an example.