Try to get one name removed from a loan/mortgage and you’ll see what I mean.

How do you think a judge or jury will look at your illegal removal, in a tenant-friendly state like California?

The new buyer didn't like that and wanted a grassy front yard so they dynamited the exposed rock, removed the rocks and backfilled with topsoil and planted grass. 

Don’t even have the decency to remove the AI language.  

I call them and say I acquired the property on this date via foreclosure and unfortunately the HOA liens were removed and I am only responsible for X.

Just removing rules that made entry-level housing illegal or impractical.That matters, because affordability doesn’t improve if supply is frozen by policy.Louisville has lived with the consequences of that friction for years.

The next step is removing humans from the first layer of interruption entirely.The leverage isn’t just separating intake paths — it’s automating intake, triage, and routing so leasing never becomes the default switchboard.Here’s how this moves from “better ops” to real ROI:1.

I had 2 furnaces stole, 2 bathrooms with tubs and vanities removed and other equipment stole.  

If I can find properties with built-in equity, then Option B may be possible for me.The idea is not to do a BRRR or pull cash out, but simply to:⁍ Use less cash upfront on deal #1⁍ Preserve capital so I can move faster on deal #2⁍ Refinance later to remove PMI and ARM riskBased on my rough math:⁍ Initial loan at 10% down ≈ $180k⁍ To refi at 80% LTV without bringing cash, ARV would need to be ≈ $225k⁍ Realistically, most near-turnkey deals won’t hit that, so I expect I’d need to bring some cash to refi⁍ Estimated "extra cost" for this strategy (PMI + higher interest for ~6 months) is roughly $1–2kSo my core question is:Does it make sense to intentionally accept a bit of short-term inefficiency (PMI, ARM, refi costs) in exchange for faster portfolio growth and better capital velocity early on?

If this is not cured or any other damage I would look to removing this tenant.