., there is the delayed financing exception that could be applicable to your situation, but you've already waited 3 months so I'm going to suggest it might be easiest for you to just wait the second 3 months to bring you to the six month mark.At this point you can refinance using current market value.When the appraiser shows up, provide paperwork documenting all of your improvements (excluding any improvements that need permits, that you didn't pull) and, assuming you didn't do any unpermitted work, go ahead and share the old appraisal with him.

While we're in the learning stage, I figured I could still help the community by providing my services as an Insurance Agent in California. 

I did the mgmt, application processing and inspection - - others did the DIY stuff or I  hired professionals when required.I ALWAYS was the point of contact and then delegated if/as needed. 

Advertisements include looking for or offering deals, services or funding or self promotion of any kind.

With that said, I wouldn't even tell an applicant why they are being rejected if it were for legal reasons.

(Likely resale value on this second duplex is $110)Downside: more financing = more exposure to risk (the loan is 20 yr, first 5 years fixed, then floating.) downside is less cash flow because more goes to debt service.

I can screen them as if they were a new applicant before it's allowed to go through) I can do here, to stay safe?

Had a title search done(abstract service) House a tax lien(which i can pay, no problem) but it also has 3 personal liens on it. (2-of which i can have them sign off on the lien) the 3rd one is my issue.

If you think you can still find a quality tenant at 2200 a month and it will not take you more then 1 month to find then advertise it at 2200. if after two weeks you are not getting quality applicants I would lower it.

Had a title search done(abstract service) House a tax lien(which i can pay, no problem) but it also has 3 personal liens on it. (2-of which i can have them sign off on the lien) the 3rd one is my issue.