I'm active duty in the Navy, and as such, spend a lot of time on deployment (like I am now), I've been listening to the podcast for the last few months as I downloaded them all before I left. 

This is surface level, as every deal has its own specifics, but.......I have seen a handful of portfolio loans (which is what you are describing) come through our lending platform in the last few weeks.  

subways there just finished last year 

I think I was calling Not Dave, X in my last post about the contractors.

I get a snotty return text (at least that's how I read it as you can't really read a time in a text) essentially saying they hadn't received the unemployment check yet for the last two weeks of August and since I wouldn't let them make payments and wanted payment in full . . .  

If it IS a separate bill in your area then yes, definitely include it as an expense, and the 'other expense' category would be a good place.You want to include ANY expense you might incur - I was watching a webinar last week from the archives and it was interesting how a couple things that I dont deal with; flood insurance, garage & water/sewer (tenants pay in my area) completely changed one of Brandon's deals he was looking at from pretty good to just break even. 

Lastly I appreciate any help or feedback I receive, if you know any in person meet ups to further my experience and knowledge it would be greatly appreciated.

I don't recall ever seeing any job sites shut down, yet over the last month and a half or so I have seen maybe 8-10 jobsites shut down.

I've stopped keeping track for a while, but off the top of my head you need to get permits if you want to put it on AirBnB last I remembered. 

What does that look like.Interest Rate, last if the seller is selling at face value, are you ok with the interest rate being paid and keep in mind you will probably be paying a servicer out of that monthly payment - my servicer charges $18.50 a payment.