Put enough water there and eventually it will find its way through.If the water has started to damage the subfloor from ongoing water exposure, it is time to replace. 

Another quick newbie question: I ran a report on my own house and it only showed my current mortgage which was a recent refi, not my original mortgage or, more importantly, the lien from the loan I got to install solar panels (I know it's out there because I had to deal with it when I got my refi). 

Have you estimated all of your ongoing expenses?

What should be my go to next step to secure an ongoing funding relationship so I can continue purchasing investment properties (BRRRR) and should I just simply reach out to other Hard money lenders and just do business with different ones and scale that way?

My income over the last two years is not consistent at all so I was planning on going in on a deal with a family member who has had steady income their whole life and maybe do a BRRRR method.

I ran the numbers to the best of my ability and it seems like it doesn't make sense to rent unless the mortgage is completely paid off. 

That said I would not buy and hold a rental property with ongoing possibility of flooding unless maybe it was a coastal airbnb raking in the bucks. or something that needed flood insurance but never flooded.

I ran the numbers.... $860k w/ 20% down on a 20 year AM is $4260 before taxes and insurance.

Here is my example:An arts related non-profit is looking for ongoing investors.

If you're dead-set on going into retail, I would consider waiting until vacancies go up and loans start getting called.