In July of last year a roof leak developed and caused damage to the ceiling in my unit, to the point there was partial ceiling collapse. 

The idea of debt-free is that if a person is going to retire and has to completely depend on the income, they don't want a severe recession surprising them and causing them to default on the debt and losing the properties.In a normal world, I would do that as well.

Richard Bartlett, MD orIvermectin, “a potential anticancer drug derived from an antiparasitic drug”Some believe that the root cause of many cancers is the food we eat and the drinks we drink and the chemicals we inject into our bodies "in the name of science".

Translation, $2400 per year.I currently just have insurance liability up to 1 million per property.Since I will be getting married and as married, you are considered as one, I’m wondering if I should LLC them due to the new wife becoming also a new liability in my life.For example, she causes a big car accident and ends up getting sued.

It's way more flexible than other other tools, cause you can explain in plaintext what's your strategy, and it will fill in pretty accurate estimates.

I saw that the population grew by 5% from 2020 and I haven't seen much development as far as new housing goes so what could be causing this uptick in time on market? 

All the water issues could have caused this as well.

I'm very open to learning new strategies & old strategies, cause new strategies & old strategies that still work come to light everyday, And can never know to much about a industry that's always evolving and changing 

@Matt Smith generally speaking it’s a combination of rising interest rates which have caused cap rates to increase (thus wiping out equity), debt is resetting at higher rates, rising opex costs due to inflation and stagnant or softening of rents due to an increase of supply.

You also have to check out your current lenders MAX CLTV rules because it may cause issues with the first DSCR lenders original note/agreement.There are some lenders that have CLTV rules or will not allow a 2nd lien if it does not confirm with their Max CLTV similar to a 'Due on sale" clause.