This will slow their growth down, with less leaves.

Sometimes the more you grow the bigger the headaches become and this is where you also need to look at everything else you have going on (young, old, kids, no kids etc).

I was thinking 40k but seriously idk jack squat so just a guess based on mostly past user growth projections.

- The increasing cost of damage repair and potential mold growth

I'm definitely still looking at it, but one concern is the population growth, it seems to be decreasing slightly? 

@Collin Luckett  Just adding, if you have the ability to fund with your HELOC, it would be far cheaper than PML or Hard money. 

If they are struggling then money they spend in one area affects their ability to pay other bills like rent.

Not only would you effectively be giving up your right to proceed by way of non-judicial foreclosure, a very messy judicial foreclosure sale might not succeed and even if it did, ability to pass title would thereafter likely be subject to borrower's statutory redemption rights.

I was talking to an investor who bought a multifamily in San Antonio recently, and the rent growth here has been eye-opening.

I will continue to be here for you and all of my clients and i will continue to serve you to the best of my abilities.