He usually posts her on a bikini, push up bra, breast augmentation  whatever.

The overall LTV (including all 3 mortgages) will be key and your selling point will need to be that the 2nd mortgage ($8k) will burn off in 2.5 years (based on your surprise that it was even out there, I'd recommend that you follow up in 2.5 years and ensure that it's been satisified, so that it doesn't surprise you again in the future).Does the $8k grant vest over the 5 years? 

My questions are;Do I have to take expenses as a deduction in a year in which they occurred even if I do not get income until the following year  I have other rental property, but my taxable income on them after expenses is only gonna be about $5000 So is there anyway to roll over expenses to the next year since I cannot deduct the remaining 15,000 and expenses against my W-2 income?

Start with networking, go to all events you can and follow up with who you meet.

Appreciation allows me to push that off for years.

You've allowed him to push you around for ten months.

And following this convoluted rabbit hole calculate what kind of property you would need to exceed the profit level you have right now. 

I am not clearly following the the refinance bit.

So their plan is follow Hawaii’s “protect the homeowners plan:  how did that work out?

.- Understand that you can have never more than 2/3 of the following:  Fast, Good, and Cheap.