Taking into account that our earned income will be significantly reduced when my wife quits...One thing that should be noted is that if I purchase another investment property prior to purchasing our primary residence, I would likely not qualify for a USDA rural loan...I look at the MLS every day for deals and would like the cash available if one comes up, either for our primary residence or an investment.

Catering to the higher end clientele there has reduced our issues (such as late rents and vacancy) compared to rentals we have in less affluent markets.

The pressure coming into the house is higher than it should be, so we're going to get a pressure reducer installed and repair/replace the broken pipes.  

The borrower only has to show they will fall behind soon because of a recent event reducing their income.

See my post below.https://www.biggerpockets.com/forums/61/topics/364937-reducing-flood-insurance-costs?

I would try to address the legitimate ones - water pressure could be a misadjusted/malfunctioning pressure reducing valve, for example - and ignore everything else.

Everyone works from home now and even when the orders are lifted do you really think the top executives aren’t going to start unloading their over-bloated leases in order to downsize and reduce the amount of workspace and bottom-line costs?

She was getting $4200 per month which was reduced to $3300.

I have however forced appreciation through increased rents, increased occupancy and reduced expenses in my multifamily.

In the NYC metro area, I'm thinking the best you can you do is to have the other unit or units reduce your PITA but won't cover all of it or would it cash flow, but maybe I'm not understanding correctly.