The article below includes the details about the loan modification we are currently under and why I am concerned.

I also recommend you read this article I wrote for Bigger Pockets titled How to Invest in Real Estate Before Turning 21.

Today I just received the news that my debt-to-income ratio is just over 40%, therefore the bank is unwilling to provide a HELOC.

There are articles in the local paper here that describe the plight of business owners whom cannot find help. 

The following article is a good overview to get you started.https://la.curbed.com/2018/5/2...

Thats right.... after 100's of articles claiming the death of NYC, Cuomo finally decides to slowly reopen the city.

While making it livable is obviously necessary, maybe a few things that could be added to keep appeal in mind- basically putting you in line with area comps/level of finish.Good news is that there are a few updates that can be pretty inexpensive like paint and carpet- although carpet isn't usually a go to in recommendation for a rental , but I realize that laminate is more costly. 

This is a pretty good article to start with - https://www.kylehandy.com/blog...One of the biggest things to think about getting into real estate is that it takes time to get your first deals.

There are a million articles across the web saying different things and I believe the BP community is going to be where the most reliable information will be for what I'm wanting to do in real estate investing. 1.

I read this article from BP: "How to (Legally!)