I think I've talked to maybe 2 tenants on the phone so far, and I didn't mind because there's a lot of scams online.

I bet you were floored when the person ordered every package you had to offer!!

When you have a duplex and tenants on both sides stay for ten years, it almost guarantees that something isn't right.I would study your market and determine the value of your rental, because I bet you are losing money every month.

please send me a case example I'd love to read. that's one appraisal. the knowledge I have as a licensed general contractor working with investors from 5 cities at a time all over the country buidling 3 different floorplans I would say trumps one ADU you read about online 

It would be pretty simple to find a mortgage loan calculator online; input the current loan balance; and modify the terms as needed.

You should be able to send it to the court clerk with the case number (you should be able to find it online or call the court).

There's also free services for tenants to pay their rent online which include some light accounting features.

- Each Housing Commission sets their own rent rates, based upon market rents for Class C properties in their area.You should be able to find an online list of S8 rents per bedroom for your area.

If you're looking for the cheapest route, conventional may be a better bet.

One tip is to start looking into meetups to connect with investors / others in the REI game (in person/online).