Hey @Will F. -I

Account Closed1) I dislike the word insinuating, and if Palo Alto is considered as A class neighborhood in my opinion then the property you have purchased in Oakland is indeed falling into F-. I

@Kuba F. - I read a post on completing comps and have setup an Excel spreadsheet similar to the one used in the blog post.

Forget the Wi-FI enabled learning thermostat and get the Home Depot cheapie.

ThanksAs long as they don't change it with the AB 1506 ruling next year http://www.latimes.com/business/la-fi-costa-hawkin...If you live in California write your local politicians

I understand it from a risk aversion perspective, but from a property value perspective (especially in a cash out re-fi situation) it doesn't make any sense.

My view:If you want to buy long-term money, then re-fi.

I just need an decent Wi-Fi speed to make either work.If you did want to add this and don't have smart tv's, then you could add a Blue ray players that has this and have a $9.99 Net Flicks account.Just add instructions in your house book on how to use it.

I have paid off most of primary home so broker is not able to do re-fi (~212K) at lower rate with no point no fee loan.

And they wonder why businesses and people are moving out of Cali:http://www.latimes.com/business/realestate/la-fi-h...For instance if you just look at something locally in Long Beach California.