Are you using professional management, or are you DIY?

If you have decent income you could get an unsecured personal loan but I wouldn't recommend it for someone who has never done this and isn't experienced with DIY rehab projects and handy.

It's a dishwasher install..... it's not even really "plumbing" in my book...same as a pea trap.... this is pretty basic stuff and although I can understand state requirements, this is stuff any basic DIY person can do, so to me it doesn't meet the level of skill to even consider state requirements as a factor

The gamechanger for me was the commitment to take the DIY road.

I have a daughter who works in a hospital (not in NJ), usually in the pediatric ward but is now with everyone else on the front lines and she says this is not overblown at all - their hospital is running out of everything, they have a crush of patients and they don't have even enough test kits to test the front-line workers. 

Yup I know someone is going to fish out U Haul data and toss it in my face to prove me wrong but please remember the people coming in to the state may not be using U Haul, these are likely highly educated, higher paid pros who use more expensive and customized moving services rather than a DIY movers option.

What she meant of course, was that I should be writing articles and books on literature and society as an academic myself.My mind snapped right here to Bigger Pockets, to the three garage bays of stuff I got from the review writing I used to do for Home Depot, to all the possibilities involved in starting my own blog and my own video channel in home improvement and DIY landlording. 

Got lucky, but I think a lot of small DIY guys like me were doing the same.I think @Scott Trench nailed it in an earlier post about the nature of institutional debt.

What's a DIY C-class landlord without his paranoia?

We are self-managing DIY landlords.