We do not NEED to do the refi but the plan is to eventually do it and remove the other person from the loan.

Personally I think everyone should have an umbrella policy also.

my buyers on my new builds even get sewer scopes I personally would never buy a home without one..  

If its less then I will have to carry the remainder of the loan and possibly be forced to pay it in full as well (or switch it to a personal loan since theres nothing to take back if I default). 

For example your state's law might require a prior owner who resided in the property to be notified in person but they may not have been able to locate and serve them notice or an interested party may have been notified at the wrong address.

Multis feel more like a house and you have one person living with you (or 2 or 3 depending on duplex, trip, or quad), whereas an apartment complex has more amenities, but people sharing walls everywhere.

I was approached by a tenant who says they are licensed to run a Group Home for persons  with Disabilities.

The latest one I received today was a person that wanted to know if I was interested in the VA service.

My property Manager has contacted the case Mgr, the supervisor, the person over that dept.

I personally do hard money lending and investing in the city.