Adding to @Aaron Montague 's bathroom advise, I would also recommend you go with a 60 - 80 gallon, quick recovery water heater.  

How they have developed a plan to recover is to charge outrageous mortgage insurance rates that they keep increasing every few months.

A lender also has certain rights as the owner of that note to pursue asset recovery within those legal bounds, whether through foreclosure, deed in lieu, short sale approval, loan modification, workout plans....and others I'm likely not aware of.

With that being said, for the past 8 years I have been training college athletes, helping them to become faster, stronger, etc.

As such, NY loans are deeply discounted to provide for the recovery of the advances needed to be made on the account such as taxes, insurance, property preservation and legal fees.

Two-and-a-half years into the U.S. housing recovery, the real-estate industry is rolling out new ways for individuals to invest in the property market.Brokers, property managers and others are helping buyers purchase houses in distant cities and manage them as rentals for a fee.

Remember the V-shaped recovery that everyone talked about early in the pandemic?

You have to depreciate rental property using the Modified Accelerated Cost Recovery System (MACRS) which is a set of tax rules for different asset classes.

@Michael Lee- I wish you the best of luck with your recovery.

Remember, athletes don't wear cups because they think they WON'T get kicked.