I wish I could refinance them at under 4 percent (or even 5), but when I have looked at consolidation, they just consolidate under a weighted average of existing interest rates, so the savings is minimal and then the debt is lumped into one big loan rather than a bunch of small ones that you can chip away at and reduce your monthly obligation as you go.

I had new paint made at HD from a paint chip of the existing paint.

No chips, or peeling etc..  

@Chip Chronister I would think that for a wholesaler marketing to a FSBO would be a waste of time.  

I'll send you a post card.I'm not only tired of chipping ice-- but I'm real tired of paying 3% of my income for the privilege.BTW- I just picked up two properties in Palm Bay w/ 100% owner financing for five years.

Also, he has said that the profit/loss responsibility would  be 50% for work 50% investors (there might be a third person who wants to chip in) Any thoughts you all seasoned real estate pros? 

if you will not be i would do as @Ricardo Meza said and carefully remove the grout, but be careful trying to break the tile out with just a chisel, any pressure against surrounding tiles will chip them. what i would do, is take a grinder with a diamond blade and carefully make some cuts, cutting out the towel bar holder and a couple cuts in that tile ( being careful not to hit other tiles), this will make release cuts so that the tile will remove easier with the chisel. the towel bar holder is cemented into the wall, when you get it out there will be a hole in the wall there.

Chip Chronister That is the problem.

My rent estimates come from a combination of MLS listings, rentometer, and common senseNeighborhood rank: BRent both sides out:3-1: $7502-1: $500Total income: $1250/moExpenses:Vacancy: $125/mo (10%)Management: $125/mo (10%)Maintenance and Capex: $187(15%)Taxes: $113/mo ($1362 for 2013)Insurance: $35/mo (Called a few companies and got an average for around 400/yr)Water, sewer garbage: $125/moTotal Expenses: $710/mo$1250-710= $540 NOIP+I: $377/mo ($72,375 30 years @ 4.75%)PMI: $78/moMonthly cash flow: $85Yearly cash flow: $1020Money invested:Closing costs: $3500Realtor Commission: $2250 (3%)Down Payment: $2625 ($75000 * .035)Mortgage Insurance: $1312 ($75000 * .0175)Total Invested $9687CoC Return: $1020/$9687 = 10.5%Live in one unit rent the other out:Income: $750/moMonthly payment: $603/mo PITIWater, sewer, garbage $125/moMy electric bill: remaining $22 will go towards my electric bill$750-603-125-22 = Living mostly for free may need to chip in on electric or water bill.Qualitative AnalysisMy goal for selecting this property is to live in one unit and rent the other unit out and live for free.

Only down side is it is easily chip or dent if you're not careful.