We have a milder climate down here in Columbus, so $300 sounds about right based on your experience. 

.; many RE investors have comparatively longer time horizons, and I would assume that most RE investors have a lower tolerance for risk).I'm a RE investor, and don't have any crypto, but I have plenty of friends who hold a lot of crypto, and we've discussed crypto endlessly...At the risk of sounding like a luddite, even after years of discussions and reading countless articles, I still don't feel like I have a good understanding of crypto.  ...and frankly, I'm skeptical of people who claim to have a thorough understanding of it (yet, there are no shortage of self-proclaimed "experts" who describe crypto with the confidence of someone predicting a sunrise!)

Anyway, one of the first things I did was to replace the bathroom ceiling, which was in bad state.

Tax forgiveness: Provides a reduction in tax liability, and forgives some taxpayers of their liabilities even if they have not paid their Pennsylvania personal income tax.This sounds like one of those deals where maybe someone passed away.

Let's say his hand slips and someone's ear gets cut (ask me how I know this happens)Let's say the injured parry realizes this is an illegal business.Let's say they get an attorney.Attorney will instantly realize that YOU have the deepest pockets.How does that sound to you?

Now, when they left we noticed that a couple of things broken for which we charged them(garbage disposal $250 and sliding door screen replacement $150).

Hey Taz, I am aware of one, usually caps at 70% leverage with more of a "limited" recourse, but sounds like it is what you are needing.

There are a bunch of different "conventional" loans, and as it sounds like you're finding out the down payment is very different if you're planning on using it as a primary residence vs. investment.

Sounds like you aren’t starting out without much, so you need to provide value for other people to get them to trust you and build relationships.

Welcome Vy, sounds like you are doing pretty well with taking all the right steps.