Inflation, cost of utilities (water/sewer), maintenance, and market rental rates.

Where is the water flowing when it rains?

I do think something is off with what the realtor was doing if she asked for 30k in advance for staging which should be done by a different company, not her, but the post is basically just pure fear from not knowing what one is doing and then trying to out someone and take no responsibility.

*disclaimer* i'm not saying you could get those specific terms, its purely for example purposes.

He installs our water heaters for $260 + the tank.

Roof is approx 15 yo. 4 water heaters been replaced in past 5 years. current brings in $5200 month.

Quote from @Kerry Noble Jr: Preforeclosures are best called or door knocked.Tax delinquent or code voiolationsPreforeclosures, Tax delinquent, code voiolations, probates/inheretence, quit claim deeds, water shut off are the best lists.Understand it is a volume game. sending out 500 mailers probably won't yield any results.

Ask yourself what makes your property worth $2100 (incl water) when rents in the area range from $1500-1800 (assuming that doesn't include water)? 

Assets identified in this study include:Bathroom Fixtures: Bathtubs, vanities, showers and toiletsStructural Components: Drywall, wood framing and interior partitionsBuilding systems: water heater, electrical distribution, HVAC, plumbingInterior Construction: Wood flooring, stairs, ceramic tileSmoke detectorsThis engineering-based cost segregation study included the following methodology:Physical Inspection through a site visitDocumentation review including architectural plans, accounting records and construction documentsA cost analysis which utilizes engineering principles in order to allocate costs to their applicable asset classificationsCalculation of the depreciation schedule using MACRSAs a reminder, bonus depreciation started to phase out in 2023.

If it was unforeseen medical debt, and you've made progress in straightening things out, you might find a private lender to work with you for an eye-wateringly high interest rate.