Look at Zillow, that is a near useless website/application.  

And HOA or condo fees, if applicable.

I just like to know what I am dealing with and if the banks will be selling off the loans to someone else now or later, or will they always service them in-house.

My deceased husband had our home loan i was on survivor ship deed only, and i made the pmts on the home for almost 3 yrs and the bank wanted me to fill out an application to finance the home into my name since my husband did a loan modification and he was no longer here to sign the final paperwork.

., 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.