We are buying more this week, all with 15- 20% net income, 

The more imminent needs are the electrical, plumbing, roof and upgrade to double pane windows, most of which will be pretty dusty if there are humans living in the space.

I’m based in Miami and would love to learn more about foreclosures and off-market property opportunities.Thank you Manuela @River Savaun

It sounds like you are just getting started on your RE journey so I'll point you in a few directions and give you some ideas and some things to think about.Firstly, I'd recommend reading all the books on RE - preferably the ones written more recently as the market has changed drastically over the past few years.

When they have a lot to lose, they will perform much better.

From unexpected fees and rigid terms to missed opportunities due to slow funding processes—these factors could be impacting your bottom line more than you realize.Have you ever re-evaluated your financing strategy?

Also the investor  who makes a conscientious effort to do these items is in most cases more prepared for when the liability event does occur. 

You could also create a trust but that comes with a little more administrative burden than a will.

I’m debating if this is worth it in the long run because If I do then I get them paid off earlier but at the same time I could be using that extra money to expand my portfolio and buy more houses .

Some I like more than others.