A few other things you may want to consider.....Using steel instead of wood or, depending on location, using block.....You may save yourself a boatload of future headache (ie mold/mildew/termites don't harm steel)Building a non-traditional structure.....ie think loft in duplex form.....etcThere are a million ways to skin a cat.  

Here are events that have occurred during this refinance:Original estimate was based on a loan amount of $101k.

She wouldn't kill my dog or do anything to harm her I believe, she's not that cruel.

We will make our own determinations to evaluate the market value and come to a fair price.I need to research how to properly utilize a transfer company and draft a contract that legally binds us to the transaction so no fall-out may occur after the sale is complete.Grow:Given my scenario, I question if pursuing an additional rental property makes sense.

I allow pets and have the tenants pay a $250 refundable deposit, there is no harm in making it refundable.

This occurred today and we just reported it to the police.

I would be occupying as soon as the tenants move out but that obviously hasn't occurred yet. 

Keep in mind that your expenses will occur year-round (whether your house is rented or not), so try to invest where you can earn lots of year-round income to offset those expenses (which is typically the southern US).

There's nothing that says it has to occur at a person's home. 

Typically there was a fee for renewal...however, there was no need for title to be run again, usually appraisals from the past were used and not updated unless significant market change occurred...my point being the largest expenses were not incurred.