@Marcus Irons I found it through good old fashioned legwork.

With the variable simple + amortized interest, and interest-only then P&I, my non-calculating head is spinning.Closing costs on the equity line are negligible, and the interest rate is better than what I'll get in a refi, but I can't figure out whether it's wiser to let the loan ride a bit on the equity line (at 3.99%) or try to refinance right away (with $2-$3k closing and 5.5% interest.)Am I even making sense?

I assume gf means good friend and my first question is there a money position by the tenants anywhere or were they just getting a free ride from the dead friend and are continuing to play that card . utilities still in dead friends name?

Any tips on making sense of this market other than ride it out, stock pile cash and wait for these people to fail when the market corrects?

If the tenant is great and pays on time then I'd let it ride rather than tying up those resources on a small rent increase.  

It's plain to see that we are dealing in securities, and it's not to be taken lightly, nor in an unregulated fashion. 

I've done 3 condos in a similar fashion. 

Its going to be a great ride and you also have BP to bounce questions and ideas on the forums..Good luck and happy investing,Derrick

It's certainly not as easy as most "gurus'' fashion it to be.

Its the only place in Philly where everyone has 3 cars and you have to pay for yearly parking permits to never have a spot on your block and have to ride and ride to only find one 5 blocks away.