@Rob Gribbenre: posting a pictureDirectly above the box where you type in responses, there are a few symbols. 

My $.02:  Grab your 70% LTV, and for your next purchase be sure and work your numbers so that you can calculate that 30% discount, as well as a value add that can give you potentially more $$ so that you can pull ALL your cash out (and maybe more, if you hit the jackpot:) If you do find a bank willing to do a 100% cash out re-fi, please share.  

@Kevin Manz - use the @ symbol then their name.

And think how much you'd be helping the future partner, if you had it in the agreement that he'd have to get a prenup, if he decided to get married.I've heard of many women being completely against prenuptian agreements, because it symbolized that he is not in it for the long haul etc.Well, you give him the perfect excuse :"Honey, I would never ask you to sign this, but it's a requirement my partner has and you do want me to stay in business and have a good income, don't you?"

There you will deff be the owner of the property. 95% of liens get redeemed so your odds of hitting the jackpot on a lien are pretty slim.

Try to talk to some lending programs, there are a lot of aggressive lenders here on BP, but for 130k and your income in CA, I don't think it is hard for you to get one, maybe bring someone with almost perfect credit score and you might hit the jackpot.

Quick tip: when you want to make sure someone on a thread sees your response, tag them with the @ symbol.

[tip: not all fonts which are available for download have special symbols such as: (#

@Vincent Mazzaferro from your computer, if you put in the 'at' symbol, then put in the first letter of the person's name, it will pop right up - as long as they're in that discussion, or you are connected with them on BP. 

A basic semester’s grounding in symbolic logic, epistemology (the study of how we know what we know), theories of causation and metaphysics will help you to get suitably skeptical the next time some financial planner claims to be able to help you predict the future (for a fee of course).Next time - the books I like.