Owner occupied.I’m active duty Air Force so I used my VA loan to purchase additional properties as I moved.

Figure out how much it would cost to build, how much you could rent new build units out for and would it even be worth exploring.

Can you please share some additional details?

Additionally, someone has created a post about any topic you can think of.

For some carriers, additional premium is applied to these enhancements, but that may not be the case for all carriers. 

BUT it will likely take a while as you are experiencing.So you have to ask yourself, is the difference in rent worth the additional months of vacancy?

Today, with about $40,000 in additional repairs, I am confident I can sell this property for about $1,600,000; at $1,400,000 it would probably sell in a few hours - all cash no contingencies 15 day close. 

Consider shifting your focus to a buy-and-hold approach, exploring multi-unit properties, or considering creative financing options like owner financing or subject-to deals.

The kid finally pays rent, including late fees, & we decided not to slap him w/ an additional $100.

If you choose to borrow the funds to pay it, then only the interest expense should affect your CCR.Hopefully, others with additional expertise will respond:)