Although Zillow/Realtor leads are typically cold-warm, if you nurture them during this time, they could become HOT leads by late Spring/early Summer.Our market is experiencing quite a few cancelled showings and open houses which slows down our listing-to-contract conversion.

I will never forget the conversation I had with a wealthy developer.

I've been using the "gift" and "I'm paying your rent for you" rhetoric whenever I've had this sort of conversation with tenants that want some slack on paying.

(cash, subject-to) I am reading a lot online and bought a couple books on the topic but there is nothing like actually talking with people and getting involved in a conversation that practice this area of real estate. 

If those are all cash flow positive, you need to make sure you keep all receipts and time lines of the bathroom conversion and as much detail as possible so that it pasts all of the appraisal tests.

If the property would still have a strong DSCR, that's a conversation to have with your lender.

With the uncertainy though it may be worth a conversation with them to see about them carrying back some of the note just to ease your financial burden some (though 7% is insane for HML so great job there!!).  

Worth a google search and investigation.I am told that if you are doing an "addition" as in garage conversion solar is not required, but if new construction solar is required if there is space and nothing blocking sufficient sunlight.

If it smells that bad, you have to guide the conversation so they don't just get a letter, get offended, and then the communication channel is now screwed up. 

There are exceptions that your tax professional can have the deep conversation with you about.