Only THREE Residential HVAC Alteration/Addition permits have been applied for in the city so far this year and it's almost March! 

Lots of things could be altered, but it would be an act of fraud to do it. 

Your contract should have an appraisal contingency and if it has not been altered, the parties can renegotiate based on the appraisal.

I am considering getting my license as well, but every time we look into it, it seems it complicates being able to self manage, and we are hesitant to alter a system that is working well.

Chances are that it is of an age where any alterations you make to the property will force you to upgrade it.

Children would translate into more repairs and maintenance. 

Altering looking at things considering cash offer if 35k for property.

My experience would translate well to this position and could provide me with experience in the process.

Regarding the decrease in rates by the fed, the 50 bps doesn't necessarily translate into a reduction in mortgage interest rates by half a point. 

You can consult with an estate planning and/or bankruptcy attorney to determine whether you can structure your assets in a way that will further shield you from liability for business obligations.In corporate law, shareholders who mix personal assets with corporate assets can sometimes be held personally liable as the “alter ego” of the corporation.