I know, can't rely on pslf/bootstrap yourself millennial/etc), and having more cash now to invest more aggressively.You are correct that technically rehab costs could likely also count for those purposes, but currently, rehab funds are limited and would need to be available for downpayments/reserves, and I honestly don't have time with my schedule for either sweat equity or coordinating contractors.

I was strategizing buying a home cash, rehabbing in then renting just like the BRRRR but then refinancing will have to be put on hold until my credit is sufficient and I have more cash reserves.

Bankruptcy proceedings stop evictions (and foreclosures) as a point of Federal law, at least for a short while.

I owe back taxes both federal and state from 2010-2013 federal is $15,000 and state is 2,700.

Hey @Hjalmar De Boer -- for your first one, I would try and have at least 15% - 20% in reserves. 

Generally you want to budget 5 to 10% of the income for capital expense reserves.

The FNMA (Federal National Mortgage Association, aka Fannie Mae) only allows up to 10 mortgages.So, what are you going to do, stop growing your Empire?

I like to see at least $200 and more likely $250 in the vacancy,repairs and capex reserve.

Thanks for the heads-up on the refi reserves.

The issue I am finding is, 95% of the callers are on the federal do not call list.