I just feel like it's a better choice for them, plus they're getting a check every month for that property, even though the risk is that the option might not be picked up.   

Click-lock vinyl plank or tile would be my top choices. 

Obviously whatever I decide, or am able to do, is my choice but I wanted to hear what other people would do in my present situation. 

A wholesaler colleague I think you can trust is Ryan Dossey  He may be able to work out an arrangement with you as you get started.  

Do you have any other heating choices besides fuel oil?

Thanks, Ryan.  

Thank you,Ryan Zomorodi

In the short term, though, I've got a choice between adding a small ADU (or studio) onto my duplex, if allowable by Emeryville's codes, or buying a second rental property. 

Ryan D. and others:The following applies to property you find or we give to you.Based on your preference, you can...1) inspect & photograph2) buy and flip 3) buy and fix4) buy and hold5) otherBefore and after you choose, we can agree on a written compensation agreement.- J Johnsonhttp://properties.healthcare-online-education.org/

@Ryan Murphy and @Eric M., I've been thinking that if I can survive the renovations and get the properties rented (I'd like to hang onto the properties if I can, selling is less desirable back up option) then I would try to secure a HLOC to consolidate my debt, but I've been wondering about the debt to income being a problem.