The higher insurance premium required a higher escrow payment which the original borrower didn’t let me know.  

Sure it may require some touch-ups here and there when you're done, but for the most part it turns out to be nicer in the end.

We also have investor loans that only require 5% down on new construction investment properties.

It would require being a process. 

What I'm thinking is that you may be able to pay the remaining $44k HELOC balance based on your cashflow.

The last event was a vape stuck in the s-trap of the toilet that required toilet to be replaced.

@Venka Pulla It’s frustrating when a property manager isn’t meeting expectations, but transitioning to a new property manager is typically straightforward if you follow a few steps:Review the Management Agreement: Carefully read your current Property Management Agreement (PMA) to understand the termination process, including any required notice period.

This requires a dedicated effort sourcing and analyzing hundreds of deals to find the one or two worth pursuing.  

I wouldn’t worry about the higher dp because any investment property is going to require 20% down , like a DSCR  Let me know how that turns out!

Alot of unknowns as you don't have the ability to walk the property beforehand, but interesting process, and pretty good deals exist there.While the Trustee Sales are cash purchases, there are many hard money options that can turn over the funds in time for the 24 hour funding required to complete the purchase.If you are interested, let me know and I can go into more detail, as well as make some other suggestions for you to consider.