As when people lose their jobs, the vacations they take is the first choice to cut back on. 

We also do not allow the tenant to patch holes or touch up the paint, because they usually do a terrible job that takes longer and costs more to fix. 

"You’re Taking a Cut as a Middleman, Making It Worse?"

This allowed me to control renovation costs, streamline operations, and accelerate my investment growth.

Figuring out the true cost will heavily depend on the type of dig down, depth, and total square footage. 

So the only money out of pocket is any closing costs that don't get worked into a new loan.

I am doing my best to accommodate and fix the insulation as well as see if there are programs in place to lower the cost. however i want to be firm with tenant as they are not compliant with paying rent because of the cost of the utilities.

You can't even drive by and look at a tree before you decide if it needs to be trimmed up or cut down.2.)

While this can maximize leverage and ROI, challenges include getting lender approval for seller financing, high carrying costs, and the pressure of short-term loans.

I say this because every investment is an opportunity cost, and if you're going to take money out of stocks (whether in a brokerage account or 401k) that could be earning 8-10%, you should have confidence that your acquisitions are going to perform better to account for the additional risk.