But first, here's some homework for you - on one sheet (digital or analog) write down:Pull out your comps research and demographics, from this create an ideal customer. there's plenty online to walk you through how to perfectly describe this person in detail. 

Etsy and Artfire selling hand made or custom itemsEbay stores selling items you find in your area that others can't find or get easilyCreate a blog discussing something you are good or passionate about for advertising incomeStart a youtube channel for advertising incomeStart a services based business doing something you are good at and advertise on CraigslistCheck the Craigslist gigs area for one time quick gigs you can get that work around your scheduleUber or lyft as a driverHouse hack, or buy a house and rent out all but your roomWhile saving move your money from bank to bank to gain their 3 or 6 month bonuses like $300 bonus for holding your money in their savings for 90 days, then move it to the next bank offering that.Sell everything you are no longer usingSell photographs to stock photo websites like istock, depositphotos, etcBuy pallets of overstock/returns to ship and have Amazon sellBuild websites for companies using wordpressOffer to maintain the social media for all business owners you know, and take a monthly fee for some extra facebook and twitter time.Become a long distance digital assistant for some REI investors that need you to analyze deals, juggle calls, etc allowing you to learn along the wayOf course any job working in the industry you are looking to get into like an working with a realtor, investor, broker, mortgage agent, etc would be preferred since it gives you further advantages in future investments.Let us know what you decide to do!

The loan is a 10/1 ARM, but I still have another 6 1/2 Year’s until I technically will consider refinancing for a fixed rate.

I would take that 400K and invest in a number of multi-family syndication deals; earning 12%%-15%, with a good, double-digit capital gain at disposition.

I do not have your goals but you could use an ARM to your favor depending on your goals. 

The first two digits in a listing are the year of the tax sale, so make sure you are searching the correct year.

HELOCs are invariably ARMs, fixed rate 2nd mortgages have very high rates. 

Wondering if any local investors use a Quickbooks certified advisor that doesn't charge an arm and a leg? 

Because lenders are wanting 7-8% for a fixed 30 yr term, and I don’t mess with ARMs or balloons...I do fixed rates and only maintain about a 50% LTV on my stuff.

Looking for:-30 year fixed-15 year fixed-ARMs-Commercial -SBA-RefinancePlease share whatever you might find helpful.