The people who really know the most are us: workers, tradesmen, and veteran DIYers who have spent more time in these things under lousy conditions than anyone else.I have a number of tested ideas on how to increase the life of paper N95 respirators and how to teach people about how reusable respirators work, as well as how to hack filter designs for 3M reusable respirators and knock-off designs readily available through aliexpress.com, ebay, other websites.I want to to find a YouTube content creator who can turn those ideas into clear instructional material with good video editing, quality close-ups, and perhaps animation.

Right now things are very uncertain, but prior to all of this getting 10% cash on cash in SF or MF was very difficult with out substantial value add.

This of course is a moot point if you don’t have any gains or the gains you have are being used to offset capital losses that you are carrying over from prior years or you expect capital losses from stocks or equivalent investments from Covid-19 (although I would also say not to sell when things are low).

I am not in a position to cover any major repairs as I have dwindled down my reserves prior to CV.

The big question is why didn't you ask or check prior to closing ?

I'll tell you though that I tried purchasing my first property at 22 with financing, and was turned away given my little income shown on my tax return (I was a student the prior year), no experience, and they didn't like the property location. 

I am not in a position to cover any major repairs as I have dwindled down my reserves prior to CV.

Gonzalez we make every tenant have renters insurance prior to moving in, and we must be on the policy as additional insured or an additional interest, that way we would get notified if the tenant cancels the policy.

I sold one of my rentals a couple months prior and was actively searching for good deals to grab up and this one seemed to just fall on my lap!

I would suggest speaking with a few contractors prior and let them know this is the loan option you are going for and ask them if they are willing to work with this.