Many companies have left the state entirely.Insurance is a simple math game. 

We're probably not going to take the risk if we're busy agents to play that game. 

They used that period of unemployment to skip paying student loans and then try to get some kind of program/hardship deferral or something aka "gaming the system".

RE is a long term game. 

Its not all fun and games like at the meet and greet events.

Spending too much time on analyzing one deal will put you out of the game on too many other ones...

If appreciation is not there, however, it seems like a potentially long waiting game to see if your $60k investment today returns anything meaningful in the long run. 

Focus on what the rents will look like post-renovation with 4 units instead of 2, and have a clear game plan for refinancing to pull your capital back out. 

@Brian Burke Your more of an honest man, than a salesman.It’s great that (IMO) the most trusted Syndicator/Operator on here is saying to diversify across other assets.Brian you are in it for the long game and that is why people trust you.

It’s been a game changer.