I appreciate the love @Morgan Tondre - This is my jam so I am happy to help.

He said it’s so easy for any attorney to sue you if they wanted showing you’re behind your LLC.

They were attracted to the potential for cash flow, largely because so few markets would cash flow any more with higher rates.

I'm looking to buy a condo so I can rent it to my daughter and a roommate while in college and then continue to rent it out after she graduates. 

We are in a semi major metro (Tampa) so while labor is always challenging it is not as difficult as a small town I imagine. 

So I should not be paying any extra taxes.

You should consult with a mortgage broker or lender now so you know how to maximize the LTV on the refinance.

In fact, right now Prop 33 is being voted on in this year's election.Other states like Texas and the Carolina's will be a little less expensive, so you can put less down.

They may go down another point or so in the coming year and they may go up 2 points in the next 2-4 years (who knows).A model like that will give you an idea of how the ARM will perform against the certainty of the fixed rate.

This better work; we are spending so much money!"