That allows you to get your reno money back out, and some cash as well on the refinance. 

House hacking and real estate brokering in Minnesota are financial goals that require savings, good credit, and research.

Can somebody advice where / if I can find real estate wholesellers and private money / Hard money lenders in Puerto Rico?

Saving cash for years is an opportunity cost.

My neighbor said on a face book town page - she was thinking of putting the house up for sale- She did not really did not want anyone in the house because she is a hoarder & had her special needs son living in the basement apt- with NO egress window ( against fire code) / I told her we could do the deal with lawyers - and save money on real estate agents (at that time the seller paid all commissions) How did you finance this deal?

The problem has never been closer to having large sums of money to address.  

yeah if you can save on the furnishings and added expenses then just converting to a LTR is the way to go.

@Vic Hartounian @Brian BairdI did a deal on my own, in an area I have invested in previously, and am saving for the next one shortly.

They can make money but from what I've seen your more in the customer care and takes more of your time.

My sniff test as I get granular is that most of these units are Grade A units and charge A LOT of money for them.