Cost and arm and a leg.  

Are tenants allowed to paint the house without your explicit permission? 

Instead, you'll be looking at 5-10 year ARMS, which is scary in the current rising interest rate environment we're in right now.Impossible to say which way you should go.  

We bought the property for 820K with a 80% 7/1 ARM at 2.95%; 10% HELOC and 10% down. 

But based on the city records, the plot is zoned to allow it already (obviously would triple check that with someone in the zoning office before converting anything), the zoning regulations explicitly specify that plots with that zoning can do multi-family without any special allowances (I believe "of right" was the phrase used).If it is already zoned to allow either, is it still possible for the city to say, "Hey, I know we said you didn't have to ask for special permission to do multi-family here, but we really would rather you keep it as a single unit."?

Make sure it explicitly explains the process for termination if you are unhappy with their services, but especially if they violate the terms of your agreement.3.

I love educating new investors and am armed with several different types of lenders.

The bleach will kill any mold and as long as the source of moisture has been removed, voila.Remediation specialists will charge and arm and a leg, but they really do not do much more.

That sounds more likely, but it also seems like the laws tend to say explicitly things like, "The board of commissioners may, at their discretion (or "as the county deems necessary" or "when in the county’s best interest") carry the property sold on a recorded contract....."

You can of course improve this general rule of thumb by:1) putting more money down to lower your monthly payment2) buying down your rate to lower your monthly payment3) get a cheaper insurance quote to lower your monthly payment4) use a different product with a lower rate for a lower monthly payment like a 5/1 ARM FHA5) if you're in a historic district you can apply for property tax exemptions which lower property tax and thereby lower your monthly payment like in Orange, Ca they have a Mills Act which reduces the property tax to about 1/10th of the surrounding properties.