. - Once an owner knows what materials are being used, they can then check pricing at Home Depot, Lowe's, etc. - Some materials for bigger jobs, like concrete, are harder to check pricing on.

Right now, you have a property with a great equity position, solid cash flow, and cheap debt (interest rate is low). 

I have a very low risk tolerance for stock and many other market driven vehicles. 

I have heard about low cost granite / stone, i just don't know where to get it. 

Finally found this one and took advantage of the low interest rates by winning the bidding war with an offer slightly above asking price.

Firstly, never underestimate the power of having low leverage on your property.

Originally posted for 100k over what the purchase price was I submitted an low offer and received a counter.

You can purchase this with a low-money-down FHA loan. 

This vary heavily town to town. 20% down is great if buying strictly as investment but if you have a way of owner occupying I would explore that route and apply the 20% down to increasing value of property and instead using low money down loan. 

I don't do app development but I was told for most sites and businesses it's a lot of work for low payback.