these will be City of Canby Oregon improvements and they will maintain them.. this is one reason our cost are so high we have to build to some pretty tight standards before the city will take them over..  

Probably too late at this point regardless, but there will likely be building code issues brought up (fire exits, clearance heights, non-permitted improvements).  

I see that Germany is managing well, despite high infection (15,000 infected), only 44 dead.As of this writing, US already has 14,000 infected with over 150 dead, and they haven't even encountered True Ventilator Shortages yet.

@Andy Mirza -When you mention the Groundfloor loan in relation to the REO, do you already own the REO and plan to use the funds for improvements?

Lower unit is vacant and I have not rented it yet but would easily rent for $995/mo, maybe more depending on improvements that are done.

The 70/30 split is interesting as it's usually the exact opposite (improvements are more than land), but perhaps this is in a very desirable location or a very large lot, relative to the building size.

Lots of growth and new businesses moving in, lots of activity, city council and county are committed to improving, etc.

Hey Alexander,I'm planning on doing a similar strategy that you've done with the FHA loan, improving the value and getting some equity built in once I refinance.

Looking for thoughts on how to streamline a better process or room for improvement.

Made minor improvements myself over the years of living in it, no major remodels.