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

I mean say if I include in the lease contract something that says "any rent later then the 1st of month shall be considered violation of this lease and this yearly lease shall simply become a weekly lease (as weekly leases I read only need 3 days notice to evict) from when a 3 days notice is automatically needed to be considered with per day penalty being $100 if not moved within 3 days of non repayment of rent from the date of not paying (due date) the person's presence on the property shall be considered illegal and will be treated no less then a violent intruder".

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..  

Thank you for sharing on such a personal subject.

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). 

just last tuesday I checked bread was 6 dollar something in sack n'save ; the price is not too different than bay area except I could buy a poke in a smaller container and that's enough for few days.Also some city in Hawaii is still considerably very affordable like Hilo and Pahoa and arguably IMO is best little town in US, it's the relaxing and slow daily life that's hard to beat. what I like about Hawaii is it's the closest vibe to south east Asia without having to stay in south east Asia.  

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

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 personally do hard money lending and investing in the city.