And the new AC unit (seller put in) was stolen right before move in - thieves climbed a 7 foot fence.

.), and interest rates will normalize again so refinancing will help bring down the interest rate.

@Jordan G. that's not something you would normally need a variance for.  

It's a great way to keep your living expenses lower than normal as well as build equity & learn what it's like to own rental properties. 

If you have the time and energy it takes to wholesale, then that can be a good idea to build some capital and get your foot in the door. 

Rates are normally higher.

Besides your rent, your cleaning fee should be the largest expenses for your normal operation.

I am someone who learns by doing, and beside reading as many books as possible during this time I am looking for ways to get my foot in the door of real estate investing.

I have confirmed what @Garrett Brown shared -- my best option is an SBA disaster loan with a lower than normal interest rate to pay off our mortgage and then I can also hope for / pursue with others a land buyback program for those of us who have floodplain property that FEMA won't reinsure.

We include my commission and negotiate as normal.