Hello,I work a normal job, and my wife is the real estate professional who helps manage our investment properties. 

However, customer service with Cozy has been awesome and concerns are normally addressed within a few hours of asking.

I want to get into rentals because it is normal to get at least 20% ROI in my area (St.

People just give up and start throwing it out the windows of their cars as they drive down the street.

.- Survey - I don't think this is really a thing done everywhere, but around here, it can cost around 350-400 for a normal city lot to be surveyed (greater for more land) and can be pretty expensive for the sellers.

Rented out one side and lived in the other and lived for free for the past 2 years and banked everything I made from my normal job.

You mentioned the 6%-ish rate being normal for 2-4 unit cash out refis - this is actually a SFR.  

They would be willing to build a "tiny home" for them to live on while they would save up to build a normal house.What do you think their best options would be?

About 50% of our Bridgeport residents live work in New York City, which is about an hour away.Housing is much more affordable for them and they don't mind the commute.Once self-driving cars are a reality and they can work or sleep during the commute, or work from home, the commute will matter even less.

I gave the tenants half off of their rent for the month of November, and they have paid their normal amount for December and January so far.