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We have 2 roofers we use, one HVAC guy.WE have to be careful because where I invest if we do more than $25k in work with unlicensed people (me and my kids or handyman) then the property can not be sold or rented, it most be lived in by the unlicensed people doing the work. 

Originally posted by @Thomas Weidner:6 kids,,damnn lol. no wonder you want to lower that payment thats a lot of mouths to feedMakes sense 

They do have down payment money and we planning on house hacking a duplex to lower cost but I wanted to explore all options for grants, as I had been hearing about incentive programs from the government.

I had thought about a HELOC, and to be quite honest, I got intimated by the math.What would be a good next step for me to explore that option?

I have a tenant with 3 kids in a unit who at the beginning of covid faced financial hardship when her husband was held in prison.

.#2 Explore Lowes and Home Depot to Learn About Material PricingTake a tour through Lowes and Home Depot (or their websites) and look at finishes materials and fixtures that you will consider using in your rehab projects.

With Covid and kids, we kind of held off looking more into Realestate in 2020.

I realize it is a college town, are most multifamily tenants college kids?

Each Tenant on the lease can legally have one additional occupant (and the additional occupant’s kids if applicable) and immediate family (brother, sister, mom, dad, and kids) stay in YOUR apartment and there is nothing you can do about it.