Welcome to BP Patrick and best of luck investing!

Originally posted by @Patrick Jung:@Ramin R kamalBuy an undervalued property.Look at comparables and recent sales to get an idea of how much a home will go for in that area. 

@Patrick Ng this person told you they could not afford the posted rate.

Originally posted by @Patrick Ma:Looks like both West New York and Union City have areas under the Qualified Opportunity Zone.  

@Patrick Philip talk to your local realtor.

@Eric Patrick Oden, that approach works however the difficulty lies in selling 30 POH for $10,000 cash (or even $5,000) to potential tenants in a reasonable amount of time.

Hi @Patrick Flanagan - feel free to send me a DM or reach out to me with the contact information on my profile. 

@Patrick Liska gives some good advice.Also look at comps in your market. 

@Patrick Leitch, by refinancing you will also restart your amortization schedule + likely get a higher rate.

Patrick, I am by no means an expert but my first thought would be to confirm with county property appraiser what the PIN (parcel identification numbers) is described as and if it can be changed or separatedAlso, the tittle company who will provide insurance may be able to weigh in too.Bank or credit union may help with valuation question.