If you are a property owner there is high demand from renters, even in C, D and F neighborhoods.

When I go to take out a loan and I qualify for say the lowest rate, will banks tack on 25 basis points b/c I took a COVID-modification?

We bought the second (B) in 2008 for 413k and it went into service in 2014, we bought the third (C) in 2013 with a tenant in it for 126k.

Back of the envelope, there's plenty of margin for cashflow.Most of my experience has been investing in B and C-class multis in Providence, RI where units are closer to $80,000 a unit in decent condition, renting for $900 a month.

If rehabbing, with the right numbers you don’t need anything down. 25-30k down will get you a few solid rentals in good shape in B/C areas too.

Funds come in direct deposit in to bank account A X Percent stays in A Y Percent goes to B Z Percent goes to C B and C have the option of being Checking or Savings.

If you pay close attention, most investors are switching their focus from high end housing to B/C+/C and C- properties.

Anyone recommended or do service on their A/C units for their rentals in the Tampa, FL area every 6 months or so?

If you're in a B class area and you've only fixed your property up to D or C class, it might be harder to rent.

I would avoid top-end rentals but anything that rents to the B- or C-class crowd should be pretty safe even in a down market.