I've got other loans that I would get 4-5% CoC returns so I wouldn't care to pay them down. 

However since he has no children me and my brother would currently receive it in inheritance 50/50 BUT if I put the 10% down then 90% will be split 45/45 leaving me with 55% only gaining 5% if I was to not invest anything.

HVAC 8-10k in 15 yrs = $45-55 per month for 15 years to save that amount.  

Sell via a 1031 exchange and maybe a reverse 1031 exchange if you have the fund already in hand-  Remember, you have to find a new property within 45 days.

So - my question - my current mortgage holder gave me two options to refi and remove my wife's name from the loan both keep the current 4.x% rate but one can be done within 45 days and the loan starts again at 30 years.The other option, an assumption process, takes 4-6 months, retains the 4.x% rate but keeps the life of the loan at the current 24 months.I'll be rolling a HELOC into the loan.My question is:  the longer term of 30 years will lower the monthly outlay a little bit and speed the process of getting my wife's name off the loan. 

For B/C properties that have some age, you need to UW a 45% expense ratio into your calculations.For A and/or newer properties, you can use 30-35%.

We have 45 days to establish an itemized list of damages and to refund $$$ to the tenants. 

Different states have different timing, like 30 or 45 days.   

In general the revenue slope starts to hockeystick around the 4-5 bedroom range. 

You can buy short duration treasuries and rip 4-5% at the moment.