They actually have a licensed person in California.

As a disabled person, I want to be in real estate, but I know I am limited. 

You can use this property to hedge any others that you add that may only cover themselves, or require supplement until they are paid off.HOWEVER, if you have decided that your goal is to use Real Estate as a stepping stone to build wealth by upgrading the property you hold each time (condo to house, house to 4-plex, 4-plex to 8 unit, etc) then I think you are right to sell now while you think the property is at the top of it's appreciation.It will be hard for anyone on BP to tell you what to do as we don't know your goal.You are right. 

Post the listing, Any local investor would be  able to tell you if you were fleeced in the acquisition, Birmingham is notorious for being different street to street. 500k houses one street over from 100k houses.

If you are calling the licensed person off the radio AD a lot of money.

Hello i bought a house for 75000$ and can get a loan on it for 155,000$  My question is hypothetically if i were to only get a 20,000 Loan From the 155,000$ loan and never pay it would they foreclose on my property and i would loose it for not paying the 20,000 Loan?

Figure out which best fits you and your personality and take it from there.  

If you truly have cashflow to spare I would personally look at the 15 year.

$6k tax.Ins,hoa, not to mention utilities . took out a HELOC off of our personal home ( res.worth $900k, and a 260sq ft studio, mtr. $1450 mo.) for$ 220,000 for the deposit.

As far as PadSplit, you'll have to check city and county laws concerning the number of unrelated people allowed to live in a house.