I called several banks to see if I could refinance shortly after purchasing but banks are telling me that they will only give me 80% of what I paid for it, not what it would appraise for.

If the tenant doesn't pay enough money to cover both rent and garbage by applying credit to the garbage first he will be short on his rent, making him subject to late fees and eviction for non payment of rent.

You might be able to do some private lending, perhaps short term acquisition/bridge loans?

Long story short I found out this house was already bought back by the bank and not on the MLS yet because the listing agent hasn't gotten it ready to sell yet. 

Handyman are short to come by for some reason.

Short and medium term impact on the value of a flooded home is sustantial, and my research would indicate as much as 30% reduction in value from pre flood value.

Our potential plan is to co-finance the construction of an ADU for short term rentals as 50/50 partners and then split the profits interest.

I'm interested in Seaside,California as a short term vacation rental investment.

A few late payments here and there but I love how PoL doesn't sugar coat the updates on late payments and tells me what could happen next (see below) "...In the event this interest payment does not clear, our Asset Management team will issue a notice of default shortly thereafter.

I think 70% is a bit excessive but that's beyond the point, so long story short yes it might be a problem or at least it has been in my experience :)