(pretty good bet things aren't going to 2% any time soon)We have wound up restructuring several notes to our benefit because the owners were really happy to have the income immediately

I honestly have no idea what the likelihood of this would be and it would require a restructuring of our loan to someone else anyway I think (which would require some amount of down payment - likely being another big cash hit)?  

While secondary market loan servicers do not really intervine when a problem poped up, we did, to the extent of paying off any loan or obligation or restructuring it.

So no need to restructure your HELOC or anything like that. 

Decision making time possibly thinking about putting in an offer contingent on further research..... flood zone map was re-structured 2 years ago but it hasn't been released yet...  

I am looking at structuring a deal and I'm worried the DSCR will be too low and the deal may benefit from restructuring by purchasing the 2 vacant out of the 12 otherwise occupied units with hard money as opposed to trying to purchase all 12 with a institutional loan just because I'm worried the 2 vacancies will drag down the DSCR for the new purchase.    

Rather than setup LLCs for each property and deal with the added expenses and book keeping,  we just file them on schedule E and I have a butt load of liability coverage.If I keep them,  I might want to restructure as part of the refinancing to reduce my exposure and maybe even set them up so the kids could take over without having to be actively involved. 

Have you entertained restructuring the 2nd you have on the property and increase the loan amount? 

This can help you restructure your debt and potentially save your property.Cash Out for Lender Payoff:The refinancing process includes cash out that is allocated to pay off your existing lender.

Is there a way to finance the acquisition and rehab of the property but to also be able to sell the extra lots immediately without having to restructure the debt of the entire property?