That's not $100k borrowable equity!)

So i believe now just start putting money up front making them really nice and bulletproof to continue moving forward and stop me from holding me back.

Closing costs for a refinance are always the same: origination charge if the bank has one, title, appraisal if one is required (usually paid out of pocket by borrower), any points for the rate if it's below par, pre-paids such as taxes and insurance for your escrow account.

or when in the area logging something else just stopped by and said high..

"Once you have won the game, it's okay to stop playing it."

Sub prime borrowers pay higher rates than prime borrowers.

Brokers have the ability to stop syndicating their listings to Trulia and Zillow and other third-party sites with a simple click of a mouse.My brokerage, Hub Edge Realty, has never syndicated its listings to any third-party sites except Realtor.com, because Hub Edge Realty's MLS, MLS PIN, has a pre-existing agreement with Realtor.com, and MLS PIN Homes, because it's MLS PIN's own search site and is not bedraggled with competitors' advertisements.

so i found a duplex but its in a bad neighborhood. from the looks of it i wouldn't have to do any work with them which is a plus. should i let the bad neighborhood stop me from making an offer? 

It was installed using the same bolts used on stop signs to prevent it from being stolen or removed. 

@Chris Kelch -  Welcome to BP, I'm sure you can tell by now that this is a one-stop shop for all your real estate inquiries.