As to asking the IRS reps, let me limit my comment to just three letters: LOL

You have some good comments above but I would also suggest to try some local real estate meetup groups.

Since seller-paid fees usually cover their services, you get local expertise without additional expenses.Final ThoughtsLive where you like, but invest where you can achieve financial freedom.Out-of-state investing has proved to present excellent opportunities.

To a point made by another person who commented, you may be able to have a lender do a 'one-off' portfolio loan at a 95% LTV if they trust you enough . good luck.

But if its not related to that type of water damage, the other questions ask about present tense issues, and not past issues.

Hey Jaycee, thanks for commenting and the welcome! 

When Padsplit presents them to me as a potential member I have several questions for them. 

@Stephanie Menard, a few comments based on my own experience.1.

I am that guy in the comments that calls these people out.

As we wrap up the year and look ahead to 2025, the real estate market continues to present unique challenges and opportunities for investors, brokers, and lenders alike.