They are paid public officials there to serve the us all.

Can somebody advice where / if I can find real estate wholesellers and private money / Hard money lenders in Puerto Rico?

@Nathan FrostThe advantage - some will do 90% and 100% construction but recognize your signing a personal guarantee and will be paying 10-12%+ for interestBenefits of a private lender are speed to close, creativity in cross collateralizing etcThere are a lot of people on BP that think oh private lending is less strict than banks and easier to get.

Seems that I need to buy the 14 inch rough in toilets (which is hard, because only few models are available at Home Depot and Lowes, since this is a non-standard size).

In other words, there are few people right now continuing to network with brokers, lenders and investors.

This would require incredibly expensive work as we would have to cut through a public street.

I finally received a demand letter from a "nonprofit attorney" representing the tenant, claiming that the tenant was living in uninhabitable conditions—typical for a non-paying tenant, I guess—and now she wants to "renegotiate" the rent and keep living in the same space.She has been filing complaints with various government departments, but all the cases were minor and have been closed.

.-  Subject-to is not being accepted by any lender at the current rates. 

Many lenders are hesitant to provide long-term financing to first-time homebuyers, which could limit your funding options.Finally, consider this: if you invest your cash reserves in one property, how long will it take you to save enough to buy your next investment property? 

that would be a rezone or non conforming use or just apartments or multifamily units.