Thank you  Technically no since there's no loan to refi,  but after 6 months you can get an equity loan. 

Then I paid $25 to some online background check agency to find out if the owner had any other liens/bankruptcies/judgments against them and also got their contact info from there.

Second question is the home in in a poa “he pays no dues and it’s not active was just placed when the house was built in 1990, which means technical short term rentals aren’t allowed.

I can’t run a background check… And what about the rental agreement?

I explain I will proceed with the eviction, the eviction will show with any decent credit/background check and will negatively impact their credit score, that I will attempt to garnish future wages, and that it will be very difficult for them to ever rent a nice place in a low vacancy area like San Diego.As part of my tenant criteria: no evictions ever (no excuses accepted), decent credit (I want tenant to have credit such as they do not want it to take a significant hit, strong LL references and in the add I specifically specify paying rent alone does not suffice for a strong LL recommendation.I recognize with my number of units and how many years I have been a landlord, I have been fortunate to never having to evict a tenant and at some point my good fortune in this matter will end.  

These are great and very helpful.My background is in data analytics, and though not super handy, I obviously could do any manual leg work necessary. 

That's why you don't invest on a short-term horizon though.The right move isn't necessarily to cash-out refi and grow, technically.

We did the necessary background checks and rented it to them.

All and all, it happens in the background without me knowing or without sending me any paperwork to inform me about these change if I want to move forward ..etcMy question for you Julie: Ethically, how can you guy make change like that without any agreement with the customer?

Banks were renting spaces to get business back in the 20s, hence commercial, and they rented to clothing, shaving, and shine boutiques and whoever else wanted to pay for a space.Some banks will treat anything over a single-family home as a type of commercial property as you are technically renting space as commercially defined.