Kent,On Lighting, the new LED outdoor lights can save on energy while increasing the amount of light delivered.

basically to find ways to reduce taxes and be more tax efficient.

However, she told me she found out she won’t be working full time again at her job until August 1 and has asked for a reduced rent starting in August of $100 less per month and no late fees.

I generally agree with this for people that want to continue growing their capital, and in many ways it is actually helping reduce your risk, since you will go from 2 to 8 units so a single vacancy doesn't effect the portfolio as much.The only caution I can add is make sure when calculating your cash flow, both on the existing properties taking into account your new debt service, and the new properties, that you truly are keeping enough in reserves.

I happened to know the person and called to joke with him that maybe he could sort the names from the list he buys and reduce his costs by eliminating duplication. 

You never know when the market will turn and your property value is reduced.

Making time, would just reduce my abilities as a doc/dad/husband right now, and isn't feasible, but I hope it will be one day.So I'll need to be somewhat passive.

2) Can I reduce risk?  

Hello all -Hope everyone is staying safe and working hard.Pre-COVID, there were several lenders that had programs geared towards investors like myself but they seem to have either suspended their programs, or reduced the amounts they are willing to lend (as well as charging hefty origination fees).Does anyone have recommendations of companies who are still lending with terms similar to pre-corona? 

If the appraisal did not come back where my stated value was, then it would be reduced to hit their max combined LTV.