,There are many reasons they may not respond.

When I asked them about getting on the lease, they both admitted to an unacceptable criminal record, but for various reasons believed they were entitled to stay.

Is there someone that could create everything for me at a more reasonable price?

Not even so much as you getting sued or losing your license, one of the reasons you get the portion of your commission is the work you do in bringing listings to the home office, along with showing properties, walking buyers/sellers through the process, etc. 

They are right, you can't block the stairs for code reasons. 

The high rents in Baltimore are not economically reasonable. 

I’ll update the thread once the variance is approved or denied, and reasons as to why it was approved/denied.

For some reason, the utility bill doubled from last year to this year and I'm not sure why.

Haven't seen many affordable multi-families in the Bronx, although I've heard $600k is a reasonable price for a duplex.

This is the main reason to do the refi.