@Will Fraser Thanks so much for your comprehensive and thoughtful response.I absolutely agree that every economic situation is different depending on what triggered the downturn, so I am continuing to watch and monitor how things progress in this current, ever-changing environment. 

Hey @Denise Curtis,Just like what everyone else said, Capitol Hill is still a work in progress.

In Progress Lessons learned?

I've recently read Rich Dad Poor Dad, Think and Grow Rich, and The Book on Rental Property Investing (In progress.

You can buy homes on seller financing... on and onThere are so many options out there, this should in no way kill your investment progress.

@Ali Croft thanks for sharing those resorces just so you know Allstate, Progressive, Geico, State Farm, Farmers, Assurant, USAA, exc. are all private compaies but when it comes to flood insurance they are only (re)selling the NFIP policy.

@Raphaela SapireI am very curious to see if you had any progress or updates on getting a refi ad an RAL?

Would be interested if anyone has good data on that...The path of progress for Chicago is along the "L" at least in the neighborhoods you are looking in. 

Part 1.5 of my ADU journey and progress since the original post.I need some suggestions on - Thoughts on current game plan?

Journaling will track your progress, your successes and disappointments.