American Modern and Foremost are good options here and you can add coverage for the renovation. 

Seattle/Los Angeles.Feeling confused on how to accurately calculate Cash on Cash Return and Return on Equity ratesQuestion is, should I combine annual cash flow as well as annual mortgage loan pay down as these For example:single family house. total cash invested $106k.

Most "Mo & Pop" folks are looking to retire and have paid off their loans, have buildings and businesses that need some modernizingSo go do them a solid by taking it off their hands at a fair price and bring their business or property up to "Modern standards"They will thank you, I will thank you, the community will thank you, and your wallet will thank you!

It basically just scours the web for similar content and then combines them into cohesive sentences with natural language processing.It's not actually generating any 'new' advice, it's just synthesizing the content that's been viewed and re-viewed on the web. i.e chatGPT has never actually built a $100m business, and its production database  (information leading up to EOY 2021 that is labeled "success, 100m, real estate investing, business") may not be the best guide for success in 2023 and beyond.Also the prime problem with non-technical 'influencers' like alex hormozi reviewing chatGPT is that he actually has no clue how the algorithm was built, how the models were trained, how applicable its results are over time, and what the model's limitations are.

I thought there was an FHA one time close mortgage that combines a construction loan with permanent financing.  

I'm trying to figure out a way to do this where:- I obtain ownership within ~5 years by only paying off the property taxes- Owner can stay in the house at least another ~5 years and doesn't have to pay rent- I pay for much needed repairs up front that they can't affordMaybe we need a combination of life estates, lease options, and land contracts?!?

We have successfully renovated old 2BR/1ba homes by adding one or two more bedrooms and another bathroom, making an old 800 to 1000 sq ft home into a modern 1400 to 1800 sq ft home.  

4 - I see a combination of goals, but no actual plan to get there.

This is a sad fact about modern societies built on lies and hopefully you start treating others as good, or better then you would treat yourself and your own family.

We paid $46k for both and will cash flow $700 combined after net net net.