I hate to be negative but how many billions in fines do banks have to pay for ripping off their "partners" before those partners should start thinking negatively about them?

We've closed some stock positions to boost funds, but I'm trying to balance a slow bleed vs ripping the Bandade, so to speak.

I dont want to just start ripping my ceiling out if it is not needed.

Finding good property mgmt that won't rip you off is one of the biggest challenges of OOS investing btw

Unless you want to rip up subfloors or ceilings and add insulation.

Insulated and sealed to the gills and would highly recommend it to anyone who is doing a rebuild to the studs.The property I am buying has forced hot air and I’m not going to rip out the ductwork, so new heating systems will need to be FHA.  

BTW, if you don't have a great local team managing, and analyzing this portfolio on the ground, you are most likely getting ripped off, and will be selling the portfolio in a few years once you realize you aren't making any money. 

It's just not right and they shouldn't be able to rip people off and get away with it.

When I finally got licensed people, the plumber had to redo all the plumbing, elecrician had to rip all the wiring out. 

You probably shouldn't be ripping off shingles to replace roof decking as your first DIY job.