I charge X Dollars or X Percent. 

The Mortgage Bankers Association (MBA) reports mortgage applications for new home purchases increased 10.9 percent in May compared to a year ago.

DVH was/is mostly purchasing non-performing notes at such a steep discount that it didn't matter if he only made recovery on some small percent, the aggregate made it profitable. 

At the beginning, You’re better with a zero percent cash account, even more so with a 2-3% CD.

—TheCongress finds that—“(1)according to the 2018 American Community Survey, 36 percent ofhouseholds in the United States—more than 43 million households—arerenters;“(2)in 2019 alone, renters in the United States paid $512 billion inrent;“(3)according to the Joint Center for Housing Studies of HarvardUniversity, 20.8 million renters in the United States spent more than30 percent of their incomes on housing in 2018 and 10.9 millionrenters spent more than 50 percent of their incomes on housing in thesame year;“(4)according to data from the Department of Labor, more than 30 millionpeople have filed for unemployment since the COVID-19 pandemic began;“(5)the impacts of the spread of COVID-19, which is now considered aglobal pandemic, are expected to negatively impact the incomes ofpotentially millions of renter households, making it difficult forthem to pay their rent on time; and“(6)evictions in the current environment would increase homelessness andhousing instability which would be counterproductive towards thepublic health goals of keeping individuals in their homes to thegreatest extent possible.

This is 16.6 percent above the revised April rate of 580,000 and is 12.7 percent above the year-ago level."

That would turn the blue line (percent positive) on the JH chart back the other way (particularly in the south and west where it is spiking) and, more importantly, stop the increasing hospitalization in those regions.

If you want to have a more hands-off approach and get a better split, brokerages like eXp and 100 percenters like HomeSmart can work for some.

I would take you estimated rehab budget and then add an additional 20 percent then see where you are at. 

Rather, mortgage lifetimes are simply extended for the same duration of time that they were paused.