Montgomery has a great rental market. 1)The last numbers I saw showed 47% of homes here are rentals. 2)That is due to a strong federal job market with federal courthouses, Maxwell and Gunter air force bases. 3)Lots of state jobs, about 10 colleges and universities, tourism, 3 major hospitals, 4)a Hyundai manufacturing plant, and Amazon is building a distribution warehouse.5) Low property taxes.6) Population growth.7) Landlord friendly state.8) We can typically hit the 1% rule on rent to price ratioFrom Wikipedia, Alabama has the second lowest property taxes behind Hawaii.2.

Built another smaller 1600 sq ft house with open air balcony for a roof for $130,000. 

No (reasonable) court is going to side with his claim that his payment applies to the current due and that the past due just somehow mysteriously vanished into the air.

Now they only want to let 2% of the air out at a time to deflate it which will take decades.

Sadly people think they can generate leads out of thin air, meaning the person they called wouldn't have realized they wanted to sell their home had not the wholesaler or investor hit them up to ask if they would be willing to.

Thanks Chad, theres something in the air and it seems to be blowing in all directions.

If you're at a loss and paying off the shortage still puts you at a loss I think your best bet is selling, or seeing how you can get more income from current rents by making it mid term/seasonal or an air bnb. 

I’m active duty Air Force with three VA loans.

Still running the numbers, but the plan is to BRRRR but flip would be the backup exit strategy.Does anyone have experience installing HVAC in old houses that do not have central air?

A metal object doesn't care if it is 20 degrees with still air or 20 degrees and windy.