@Jerry W. lol @ getting mad because someone else makes a buck :) There seems to be quite a few suggestions on here that property owner try to get in on action but that business model exposes owner to a different set of risk... insurance company will also want to alter policy to reflect that... is there any market data suggesting the vacancy rates with that model is lower than say hotel vacancy rates?

Altering the grade of the land around the house can make a huge difference.

Here is another screenshot from my credit card that shows the revised due dates if I so choose to alter it.

FM perspective, as per the document, is investors are altering the market conditions (sec I) by closing < FMV.The key is the history of the neighborhood, which is why any investor focuses on RE in a very well known area.

I would do these to current code standards, and other smaller alterations all to code, without gaining permits.

Read the article about William Bronchick a real estate guru/ attorney who recently lost an alter ego case this year.     

I am feeling overwhelmed by options, things I've learned, and fear of the future.Right now my wife and I are trying to make a huge, potentially life altering, decision.

I altered my autopay to add principle payments. 

If the market shifts, consider altering your approach or perhaps try flipping a single-family home for a faster return on investment.

You are correct, we have recently altered our program.