By the time a bank would get involved at the refi stage, crypto wouldn't enter their radar because you'd already have 100% equity in the property.

The foreclosure moratorium applies to "Federally" backed loans... fannie mae, freddie mac etc..just to add to this....Many states will be different... we wont see a lot of foreclosures (as in at the court steps for sale) in cali because of the level of equity a lot of people have, however we will likely see a decent increase of pre-foreclosures which is where I find my business, before it gets to the final stage. 

I am at the very beginning stages.

(Besides being zoned Residential-LOL) Like, photoshopping landscaping to the front, virtual staging and making a new listing on Craigslist?

The first one is in permitting stage.

I am in the infancy stage (or zygote stage if that exists). 

And the next stage of that process is to (6-12 months later) refinance against that new investment.But how can that be done, if you already borrowed the maximum 75% in the first place?

.)+#1 Rate of Start-Up Activity and Entrepreneurship in US (https://indicators.kauffman.org/wp-content/uploads/sites/2/2021/03/2020_Early-Stage-Entrepreneurship-State-Report.pdfLook, we all know these days you can find statistics to make anything look good.

Most real estate opportunity markets are created by a natural disaster, economic disaster, or local government failing to make their local economy adaptable / marketable on the big stage of competition.  

I always think it's better to get moved because you house can be staged and sell at top dollar in a hot market instead of selling while you are trying to move.