@Rich Ng There is one other bathroom in the house that has noisy pipes when flushing, but no sewer smell.

NG is a great job that will allow you ease with traditional financing to begin the process. 

@Benny Ng the 50% rule is a crude rule of thumb.

@Grace Ng As far as you question on "how long properties stay vacant", you can break that down to 5 other questions.  

Darren Ng Certain things like bars-on-windows, chain-link fences, etc. are really hard to assess from afar.

@Anna Ng ,Nice to see you around ;) I believe Account Closed has some good contacts for SF specifically?..

Thank you @Rich Ng and @Andrew Davis for your welcome and for the advises.

Well, I'm not trying to start a p****ng match, but where I see people just posting complete BS I have to call shenanigans on them.PNW wrote: The Clintons stole antiques from the White House, for Pete's sake.

In fact many high consumption industries eventually leave for that reason.Several years ago we inherited a couple of old spinster tenants (14 years residency) that were paying large, but subsidized, NG heating bills, but only $500/month in rent.

I do appreciate your concern about people getting carried away with refi’’ng their properties, but I new the opportunity at hand and my market very well which helps in determining when to pull this type of trigger.