Study up on legal issues, property management, market research, property analysis, and finance possibilities.Participate in online forums like BiggerPockets, attend meetups, join local investing clubs, and establish online and offline connections with other real estate investors.

Install cameras to catch any dumping activities and then report to police who should issue fines, make arrests, etc.

Ultimately the borrower sold the property before sale so it was a non issue but had they not, and had we continued with default, if we did not restructure the foreclosure (difficult), we would have more than likely had to wait until sale, suffered a loss, then filed a title claim (Time...time...time...) to hopefully be made whole. 

. - so I guess I need to estimate what those would be - he is in his 70s and has uncles and aunts that lived until late 90s and one until 102 when no one did) and a comfortable retirement (he is extremely frugal so that's not an issue).

I've been though a couple of lawsuits on those issues.

Bank found lots of issues with that appraisal and won't accept it. 

also open to other ideas to generate so cash flow - ROE is really an issue Thanks !! 

Do you see any issues with this?

I have clients (Im a mortgage broker) who over leverage with gap funders and HMLs on purchases and even THEY have valuation and cash issues when concluding a project.

Here is the actual chart that shows the rents for each income level: https://www.sdhc.org/wp-content/uploads/2023/AMIIncomeRentCh...If you are still having issues understanding how it works - Send me a message.