You will need to build a team for out of state and the closer to CA the better because of the travel time and as a college student you might not get 3 days to meet a contractor in the Midwest.

Is there any reason I need to submit the deed to the county now or could I wait until much closer to when I plan to refi?

It is typically closer to the beach, but further from DTSP.Let me know if you have any other questions!

I know they planned on cashing me out early, but when rates went so high, they decided to wait until they could get loan terms closer to the terms I have with them. 

I would guess no more than 5% (closer to 1-2%). 

Or do they allow closer to what is listed in the payment standard rate? 

I moved out of Unit 1 last August to move into another rental unit closer to my fiancee's office. 

So what was a $1,000 policy 2 years ago is closer to $2,500-$3,000 now.  

In some communities, the 1 bedroom apartments are up closer to 15%.

Since it will eventually be a rental property and you'll have to hire someone to cut the grass anyway (I assume there's grass😂) would trimming the hedges add a lot to the expense, or add a lot to the desirability of the property?