So is this correct, that since you agreed to a balloon payment after 8 years you're planning on having 25% equity in the property via raised rents and principal pay-down after 7 years, and then you'll be able to re-finance with a traditional bank owned mortgage at 75% LTV?

I just feel like it's a better choice for them, plus they're getting a check every month for that property, even though the risk is that the option might not be picked up.   

Click-lock vinyl plank or tile would be my top choices. 

Obviously whatever I decide, or am able to do, is my choice but I wanted to hear what other people would do in my present situation. 

Do you have any other heating choices besides fuel oil?

I don't tip in the traditional sense but I will add $20 sometimes to what I'm being charged and say something like, " I really appreciate you working me into your busy schedule...

Reverse Wholesaling seems smarter than traditionally Wholesaling - buying a property, then finding an investor.Is there a right way or wrong way to Wholesale?

In the short term, though, I've got a choice between adding a small ADU (or studio) onto my duplex, if allowable by Emeryville's codes, or buying a second rental property. 

It's not that the neighborhood is not great, it's just that it's on a cul-de-sac that is just outside the traditional student area.

Also should i buy my first home for my family first to take advantage of FHA loans and such incentives before obtaining a traditional loan?