It would make a big impact in the neighborhood that I am already very invested in, and I think it would make money in the end.I set up a meeting with one of the guys I worked with on a rehab project to talk to him about it...

The tenor of the conversation may well have impact on a decision.

Windows and siding have only a moderate impact on value.  

The point of foreign money impact had a lot to do with the prices in the Miami-Dade County area and some in Broward.  

Yes - its pretty standard to require a cushion over and above the price on a portfolio loan, its to prevent the bank (lender) from adverse selection, i.e. the borrower releasing the better portfolio properties while keeping ones that are more troubled or not cash-flowing as well as collateral

My rental's that are in LLC's have had no impact on 1 refinance and 2 heloc's I have taken on my primary residence.

Finally, check into the details on zoning - that can have a huge impact on future value and exit strategies.I've purchased both, so a few thoughts for you to consider:The two quads will allow you to use traditional Freddie/Fannie mortgages which include low interest rates and lovely 30 year terms. 

How did this impact your credit score?

I know I want to invest in real estate but I feel apprehensive being the sole provider for two kids and after seeing how impacted my business was with covid I’m scared to risk my savings, although covid was all the more reason I need to build some stability for my children.

Topics to discuss: how is the market reacting to Covid including impact of WFH trend, what are your strategies to prepare for Brexit, to LLC or not / mortgage interest questions, etc.