Middle class folks have brimming 401ks, a bunch of equity in the primary residence (and growing) and maybe some wage growth ahead as labor markets continue to tighten. 

Thank you everyone really appreciate it been working hard and trying my best to gain as much knowledge as I can so that I am well prepared for what's ahead.

But best source of information would be to call your insurance and get an answer straight from the

At the end of the day, we have an email from the city showing that we're grandfathered in and STR is allowed so I think we've got ourselves covered.I suppose I'll give our lender and the insurance company a heads up to avoid any speed bumps later down the line.Cheers!

But again, you know yourself and maybe you are a checkbook person and are better keeping that straight VS entering it all into software. 

If you go straight to the owner now to buy the property from him, you not getting it through the tax sale, so you can't remove the any other liens/mortgages etc. without paying them.

Go ahead and close on the properties asap using 100% private money.

If the basement bath doesn't have a window, just go ahead and install a fan even if it is senseless.

If your goal is to pay more for your properties, then go ahead and pay them off with that extra cash. 

Iam I ahead in the right direction