but over time I suspect what i have paid in policies i could have been self insured.. but lenders dont let you go without it so its moot anyway.

I suspect it is more likely that the state pass anti STR regulations than it is for the city of San Diego. 

I suspect the first agent was right.

Years later we talked about that car and having a scrap yard come to haul it away.The lawyer did not need the money and I suspect the scrap yard knew what they got and probably felt similar to if they had won the lottery. 

I suspect they had their agent going back over other offers but finally decided they would be in the same spot couple months from now.

States a new roof but I’m pretty suspect.

Your proposed layout will have you taking the commode's waste pipe through at least four joists (that's four big-a$$ holes, for the mathematically challenged) if you run it back to the original waste stack, while I suspect that the way the math will works out on the toilet placement that you're going to have to saw directly THROUGH a joist to get the toilet in approximately where you want it and run the waste pipe back right next to the joist sloping 1/4 in. per linear foot in order to run it to the secondary stack, which has yet to be proved to my satisfaction is actually a full-size 3-inch stack.

As a newer agent, I'm not sure whether that can be altered with an addendum like so much else can be, but I suspect not without relisting the property?  

I suspect today it is a bit dated.The IRS puts out all kinds of free handbooks on taxation.

Grand scheme of things, it would be nice to refinance to pull money out and throw into other investments, but id suspect its only a smart move for somebody like you who has a lot of skin in the game, and the capital to back it up.