What devaluation can you take on your home, if your extended on loans? 

I got a call from my realtor today, 40 days after closing, saying that because of the weather, the contractor will not be able to make the needed repairs until spring and the buys want to extend the deadline that has already expired.

Also, that HELOC was for a 1 year term, so technically there was no guarantee mine will be extended.

If I could pay the mortgage at 2008-2011 level rent then the deal seemed little risk.The risk with Biden - 6 million not paying rent he will extend the rent moratorium.

Either from the interest bearing account, or at 5% for the duration of the term you held it. 

I invested a little over $31,000 in repairs (This is not including $13,560 in holding cost; I am not including them in my calculations as if I was not living their while working on it I would have had to pay a similar amount in rent for the duration of the rebuild).

Nope, it’s a same process with or without agent Title Company wills do the title search and buy extend owner policy. 

With Biden being president I don't know if that will extend or not. 

I rented out 1 bedroom and rehabbed proceeded to rehab the home over an extended period.

My current lease is up in March, with the option to extend month to month or move home for a few months after so I'd be looking to buy sometime early next year.