We're probably look for cheaper insurance next year and claim homestead to reduce the taxes.

This is the same as #2, only worse, because you will be past even the last of the 4 payment dates, and your penalty/interest will be higher.There're ways to reduce or avoid the estimated payment penalty by planning ahead, but it's case by case.Finally, if your income is uneven, and most of it came late in the year, for example you sold a large property towards the end of the year - the rules are different, and it's best to consult an accountant.

I've been hearing of landlords preemptively reducing rents to help their tenants out.

ie, does it bisect a building or reduce the frontage below the required minimum?

Should we reduce the price?

I totally agree and I am trying to reduce the holding costs by using HELOC and conventional loan as opposed to hard money.

Make sure the property cashflows when you buy it; make sure you stress test the deal.

The SBA has drastically reduced their requirements for acquiring a small business disaster relief loan.https://www.sba.gov/disaster-assistance/coronavirus-covid-19I know there are a lot of locals here on the Austin forum that make their living in the industry. 

(*Thoughts: Private money seems to be dependent on knowing someone (which I don't), Hard money seems more feasible, VA loan would require the home to be livable (which in turn may reduce much of the potential value add), conventional loan would require less stipulation than the VA loan, and personal credit cards (Not a bad option with 0% balance transfers and commitment to pay down.

So I'm trying to apply the BRRRR method and I came across a speed bump of my DTI. 
I had the lender tell me my DTI was to high. 
So basically the routes I could take is rent out my current home and I guess they give...