You might consider Niche or Specialized Housing like student housing.

You might consider Niche or Specialized Housing like student housing.

Affordable housing inventories change, laws change or are adopted, financing requirements can change, your money partner can die or change their mind, thousands of things can happen to effect any niche that you attempt to specialize in. 

Questions: - Is there any special reporting required because of the loss?  

On other hand Bank Of NC had a special going on for 2% interest rate upto 85% of the house value for one year, and prime rate (3.25%) after one year for the rest of the life of the loan.

Keep you eye on the other markets (stock, bond, ect) and the real estate market in California. 

Otherwise I will use bonded and insured contractors.

Real estate is unique and is not comparable to stocks or bonds or annuities or commercial paper purchased on an auto dealership!

When we speak about equity build, that refers to factoring in your 120K debt shrinking as you own the home (thus there is real "cash" you are "earning" if you hold long enough).Equity build is important - aside from tax benefit and appreciation, it's why you investing in a corporate bond at 4% is less appealing than in a home that yields 4% after debt service.

Many roofers that do not specialize in flat roofs just purchase the equipment and spray the foam and brush a coat of elastomeric and call it a day.