I have asked numerous times to send me official bank statements, receipts of work completed, master insurance documents, etc. and have received a few emails with word document summaries.

I'm a retired CPA, have a master's in taxation and have over 30 years experience. 

We also go thru a broker that gets us to $453.00 per unit for our master policy including a million dollar umbrella.

You could structure it as seller financing or a master lease option to avoid a massive cash outlay while you stabilize the property.

Added a third bedroom, full renovation to the kitchen and to the master bathroom.

You can learn something from every Guru Program but no program will teach you everything you need to know.

I’m wanting to jump in the program.

I've paid for a handful of programs over the years from cheap to expensive and narrow-focused to broad-based. 

Should I rent it out with some small cosmetic fixes or make the master bedroom closet smaller to add a shower?

We're in the midst of renovating a basement, then we plan to split a large bathroom into two (creating a master en suite), upgrading the kitchen cabinets/counter, painting the house exterior, adding AC, and upgrading the outdoor area with a new deck and adding a patio.Since our timing is tight, I'm trying to identify which of these are worth doing before a refinance vs. what should wait until after.