Super easy.Cozy also has an option for Rent Reporting, tenants' rent payments get reported to Experian and could help them boost their credit (on time payments, of course).

And It’s easiest for me to express it as a formula: LIHTC + (QCT*QOZ) + QOFwhere…LIHTC: An Affordable Housing Project Financed with Low Income Housing Tax Credits QCT: The Property is Located Within a Qualified Census TractQOZ: The Property is located within a Qualified Opportunity ZoneQOF: The Ownership entity is registered as a Qualified Opportunity FundThe basic idea is to combine the opportunity zone tax benefits with the 30% boost in eligible basis that LIHTC deals get in qualified Census tracts.

So much testosterone here hahah , everyone needs to be right and show how much they know ..only few are able to give an objective opinion .

My interest was boosting passive cash flow without refinancing and essentially debt snowballing the mortgage down as much as possible.

Huge boost when you can bring in more money for rehabs and purchases and keep that money cycling.

Furthermore, if the tenant had the means to pay the Landlord AND that could be proven in Court, the Landlord should be able to win a judgement on future income after the Pandemic.Only IF the tenant was both affected by Covid-19 AND they did not have enough Savings OR enough UE / Federal Boost would they be allowed to stay until the Landlord get's paid.At the same time, the Landlord should have been able to take the Covid-19 Hardship Waiver from the Tenant and give it to their Municipality so that they stop paying Property Taxes and Building Utilities as well as the Bank's Mortgage.The Gov'mit should have allowed the Landlord to put a lien on the Assets of the tenants who owe rent right away until the Gov'mit is able to pay the back and future rent.This is an extremely one sided help for the Renter and disaster for the Landlord.The problem is always that these laws could have been worked out in such great ways for the Majority, both Tenants and Landlords, if only the Politicians would just think several steps ahead instead of just ONE.This is EXACTLY why, when I do buy properties in Liberal NYC, the epicenter of Liberalism, as long as my Portfolio of Properties can be steered away from the mess of the unintended consequences of bad politics.I also now have the added advantage of having NONE of my properties affected except for minor leaks during the Hurricane IDA historic flooding.Sometime after the Pandemic, I may convert all my Multi-Family properties to Condos and sell it all as it will be the highest appreciation I will see at any point of time in the 24 years I have been buying NYC properties when considering that I have easily survived the Pandemic and Hurricane IDA.What we need to do is to try to buy investments that can withstand the Long Arm of the Laws that are passed by Liberals who just make it worse for everyone, including their constituents, the Renters, who will suffer from much higher rents in the future.

The exception to this is short term renting such as AirBNB which has the potential to really boost your cashflow if you have a desireable property. 

Pay on the student loan, but use the length of that loan to boost your credit numbers.Loans are great, but Pay off the loans that cost more first!

What should be considered is the large tax cuts that have been made to large corporations that enabled companies to "boost the economy".

That number represents a more than 200 percent boost in the past 15 years.