Using an unexpected repair as justification for not caring about cashflow as much as appreciation doesn't really address the issue, especially when appreciation also operates on the idea that the property's condition doesn't decline relative to comps.From what I understand about REI and cashflow, cashflow should cover not only PITI, but maintenance, repair reserves, prop management, etc.

That's why the search isn't fixed after 10 years of the exact same issues.

Most of our water pipes are in the ceiling here and when one breaks it ruins the floor, plus we have had some flooding and other issues in FL.

Yes, we can provide a digital issue but we are not allowed to past links here, sorry.

But you have to ask proactively, and be mindful of how long you stay in forbearance to avoid long-term credit issues.🔹 Insurance Challenges – Even when insurance pays, it rarely covers the actual cost to completely rebuild.

We are good friends but that's also not an issue for them because they are a dual veteran couple.

The impact of not having F/f financing is large (>10%) if the appraiser recognizes this potential issue.  

I believe our team will continue to meet the level of service you expect in the future, but should you need anything or have an issue, please reach out. 

Then interview them.Now, let's look at your issues:1) How did replacing a toilet result in a burst pipe and flood?

By house hacking, you're immediately positioned as a landlord, which will adequately pressure you to learn how to structure your leases, screen applications, collect rental payments, resolve the nuances of managing tenants and addressing property issues, etc.