Not sure how your house is built but if it’s really bothering you why not throw in a header under the floor joists with some Lally columns and pads?

I have limited experience but, between me, help from my dad who has a lot for experience in construction, and me not being in any rush (doing this on the side while I live in it) I am open to doing this.

Once you start this endeavour, you are stuck with paying that tax or trying to stay ahead of it and keep kicking the can down the road. 

I personally don't mind paying a little more for being done right and ahead of schedule. 

Go ahead and ask them questions.  

Thanks for your advice, I am trying to be patient looking at the CT market I am in no rush to investing my money right way.

I'm heads-down full steam ahead. 

I know it may take a while but I'm not in any rush because I think time is on my side (and my lease on my current apartment doesn't end until May 31 anyway).

So now I’m looking to refinance into one mortgage, and pay off the HELOC as a primary goal.Now (assuming primary goal is successful/ makes sense) I’m wondering if I just save up until I have   enough to pay cash for a home to BRRRR or if I find a good deal before that do I just go ahead and use that freed up HELOC?

I feel this has become problematic with a coupel tenants who are now late every month and only pay $25 late fee.If someone lets you know ahead of time why they are going to be late - do you apply full late fee amounts?