Sorry on the delayed response! 

My goal is to turn it into a duplex and rent out the second half to minimize my mortgage.

I invest a few hours a week -so I am not greedy - if I can do minimal work and make $10K-$20K I'm good.

Then COVID19 hits, things got delayed, but I have a great bank, no problem, it will just take a little bit longer...and then one of my tenants gets sick and another one says he only has one lung and they don't want the appraiser to walk through, and the mayor issues a statement backing up tenants in exactly this kind of situation and my hands are tied.

Going slower allows you to minimize any mistakes and learn without losing money.

They also want almost 12 months reserves CAM and rent averages to feel secure the owner can work through COVID going away and possibly returning again in the fall.Lenders with STNL investment grade tenants with essential businesses the lenders are not imposing those reserves and still giving great rates with minimal down.So the retail centers now for us to consider buying the cap rate has to be REALLY HIGH for dealing with that otherwise you lose one tenant and fill another one up and do a lot of treading water for not much extra additional yield.

.- "The ten largest states had increases in purchase activity, which is potentially a sign of the start of an upturn in the pandemic-delayed spring homebuying season," said Joel Kan of the MBA. - Mortgage rates also fell to another record low in the MBA's survey, as the 30-year fixed rate decreased to 3.43%.

If they fail to do so, or make other mistakes or unreasonable delays in claims handling, they may be liable in damages, whether there's coverage for the underlying claim or not.

SHRA closure due to covid 19 has further delayed activation and I have not been paid for 6 months.When I call Sec 8, they tell me to leave a voicemail and send an email to the person handling my account but no response.Should I fedex my documents again to get their attention, get my tenant to talk to their caseworker to contact the person handling my property?

This may cost you more upfront, but the upgrades should give you maintenance-free (or at lest minimal maintenance) for a good number of years.