I would be happy to look at what you have and let you know if we can do it for $200.

Pay the mortgage completely(I think he heard Dave Ramsey's advice that it is better to fully pay your house first before doing investments).Thank you. 

@Arvin Digma what are you looking to do next?

Hi Alex, welcome to the community and the San Diego region.How do you plan on targeting your leads?

Hi @Hai Le this site might be a good place to start.

@chris martinWhat you don't know you don't know and I do know California.

If you are trying to piece everything together yourself remotely I think the time and brain damage and extra cost in time and cash you would be better to go yourself and do it. 

There really isn't enough information here for someone to give you a proper answer.What you need to do is calculate those tax savings over the next 5-7 years (or however long you plan to stay in the house) vs. what the interest rate reduction will save you over that time period.

Is it possible to fix a soft spot without having to re-do the whole room?

And in fairness, not worth doing if you're not making more than that anyway.If he does something like this and it exceeds the SGA (Substantial Gainful Activity) limit he would lose his disability right?