I havent done any Habitat Loans but form most DPA Programs in Florida if the refinance the mortgage or sell the house they have to pay back the grant.But they all work different. 

Owners were divorced, husband was living there and not paying his SBA mortgage.

I'm trying to decide when or if I should transition from "building the portfolio" and acquiring properties and move to paying down the loans and building cash flow. 

And that's fine.....if you have money to burn.Disclosure: I have no idea about the realities of STRs in this area, but I trust my gut....I only have my current cabin as a guide and it’s still doing fairly well.  

BRRR deal could get you the cashflow and the value add payout without having to pay capital gains on the equity.If you’re not fatalist with the Multifamily Wealth podcast with Axel Ragnarson I’d highly suggest checking it out.

There is a note and deed of trust with both. 

Improvements are cost-effective when the cost of making them is equal to or less than the money saved on energy from those improvements.Cost Effective Test for Existing HomesImprovements to existing homes are cost-effective when they pay for themselves over their expected life span with energy dollars saved.

This is something I've recently heard and is new to me.2) How would you structure your home(s) within a protective entity such as a land trust and/or LLC?

The first thing you should do if you want to invest out-of-state is to see where you might have a competitive advantage.Make a list of every place you ever lived and where all of your closest family and friends (the ones you trust) live and then compare metrics on those towns.

Ultimately, since you're not paying for land, you should be able to build more units and add enough value to the property that you don't need to bring in any money of your own.4.