After they've bought a few single family rentals in their own name, and maybe deeded a couple into an LLC, and try to buy their first apartment building, they realize they need to restructure everything.

There's a higher likelihood but it could also just mean the sponsor made a poor decision on the type of loan they put on the property and it could make sense to restructure the capital stack with a new loan and a capital call and/or preferred equity. 

The mortgage restructuring simply tacked on payments to end of mortgage, so not making much sense there either.

We have our company restructured last year so I can provide some insights, I'm in Florida as well. 

Thousands (maybe 100s of thousands) of people, both homeowners and investors are restructuring their loans right now to push the back payments incurred during forbearance off to the end of the loan.Most of those people called their lender but didn't get the 100% truth about what that means for their credit. 

@Emily N.Emily, not sure where you sourced your capital, but is the 5 year hit negotiable for restructure?

Id pay down a few consumer debts, restructure my personal tax returns, get my fico >740, buy 3 or 4 duplex/triplex and my own SFR then get an equity line to buy two more pieces of property.

@Trevor Imlay it really depends on if banks restructure your amortization schedule.

I have structured and re-structure my approach to money several times as changes or new ideas (or technology) come along.

Decision making time possibly thinking about putting in an offer contingent on further research..... flood zone map was re-structured 2 years ago but it hasn't been released yet...