I'd have a Home Inpsector and/or General Contractor go over the place and make a list (Scope Of Work) with a tight budget.

PropStream has a really awesome driving for dollars app that allows you to save properties that you driveby and then export the list when you get home.

However if your talking about a wife who has been stay at home mother and or an earner then they deserve their fair share..  

my property assessment almost doubled this year. Any one also receive their assessment?
I’m in Mayfair section of Philadelphia 

This one cluase essentially bans all group homes.

If not, who are you finding for good flood insurance and home insurance on your rentals? 

And that's not enough and the risk is too high at that margin for starter homes.

We have been sharing a car since 2020 in different households when she worked from home and attended college online.She worked and studied, maintained good grades and was compensated for it via her school and the system.

A good starting point would be a 10% 2nd home loan or an owner occupied 5% loan where you can convert a basement or studio into a simple 1 bedroom unit and basically let your guests pay your mortgage. 

Then there is that there are only 8 homes when you pass 1st camera, then private road, plus 150’ driveway with no easy turn around when all vehicles are present (7).This would have been first time packages have ever disappeared.