Save those payments to rebuild your opportunity fund.While prospecting for listings also view from the lense of a buyer and capture leads for purchase.   

Whether that's in real estate, buying a business outside RE, building an entirely new business of my own, or some other path is yet to be seen.

Recovery is using what you know to rebuild. 

You could buy prime Las Vegas homes in 2009 for WAY below rebuild cost.

You can relieve them of the tax and upkeep burdens while helping them (re)build their credit, if they've been behind on payments.It's possible you're assuming that the investor is going to stiff them and finish ruining their credit, also losing the property when the lender forecloses or the county puts it to tax sale.With recent changes to the tax laws, it may make more sense for the seller than contract-for-deed in some cases.Not sure what brought this on, but sure hope you feel better soon! 

I am renting all the units out starting April 1st and will begin to rebuild the emergency fund.

@Anjoli Elizabeth Rowe we lived in a Tiny House in California for about a year and a half - it burned up in the most recent St Helena / Napa fires, and we're in the process of rebuilding it (on insurance's dime at least!)

I do wonder how a bank lends on a 25k house that would cost 100k to rebuild. 

. -- although even if you are in HPOZ, there's very little they can legally do to stop you do an ADU, especially if you aren't doing any substantial demolition, and there are ways around some of the hillside restrictions depending on where you are)Cost- It will depend on the condition of your garage's structure (footings, slab, wall framing, roof framing), the distance that's required for trenching, any electrical panel upgrades or location changes, and your design intent- Check that your garage has footings that are deep enough below grade (12" min in LA City, 18"-24" elsewhere) -- if not, you'll need to underpin or rebuild them- Check that you have concrete curbs, as these will help stop water intrusion from adjacent soil -- if not, you will want to find a way to add them, either by making the contractor do surgery on the building, or by adding them as part of a larger demo+rebuild strategy for the entire garage- Look at your slab.

You will break it and need to rebuild the formulas.