To worried about appraisal in this climate

With the climate changing and becoming more unpredictable many places are receiving 100 year storms much more frequently.

How's the climate for banks' willing to do a cashout refi on a MH w/perm foundation on land?  

Having worked from home for a long time I know the climate has changed and working from home is more common/acceptable.

If the top floor becomes climate controlled storage, is that good enough to consider the building a 4-family?

In my experience, most roofs have a fairly long life 30-35 years sometimes depending on what your climate is like.

With radical changes underway in lifestyle, wealth, climate, transportation,etc., the properties located in large, high end communities will have a much better chance of capital preservation and appreciation.

In cold climates, the expectation of a tenant opening the window, If available, when they shower is probably not realistic.  

The media template is that the market sell-off is 100% due to the coronavirus, just like all extreme weather events are the result of man-made climate change.So wait to put in an offer let another investor have it at a record low-interest rate when banks are very eager to lend money very cheap.

Anything further than that and you're more than likely going to be observing home prices from a completely different market space & climate.