Is there a way to access the additional features without creating a new Stessa account through the BiggerPockets link? 

Charging an additional 15% seems a little ridiculous.

The 2-3% points in extra cost are worth it if you plan on using as I described above because the use would be for a few  months at most and due to that short term use you can survive a rate adjustment up.But, if you have no plan to payoff the debt like when using for a down payment on a long term hold why pay the extra cost for flexibility and have the additional risk of the adjustable rate with the amortization looming when you can get a fixed rate second mortgage. 

- Highly recommend REQUIRING tenants to get Renters Insurance and adding you, as the landlord, as additionally insured.

Since then I've bought two apartment complexes and will be building additional units on them using knowledge  and processes learned for Jerome and his colleagues.

@Kleyn LopezI have referrals in the San Diego area if you are in need of additional CPA recommendations.

OF COURSE the Contractor is going to say you need to tear it all out and rebuild the wall(s)  because that's the absolute easiest solution and adds additional work for him.

You’ve gained valuable experience from your first duplex and are now approaching real estate with a strategic mindset

While they can provide valuable advice, you must advocate for yourself and trust your instincts.Selling real estate—especially multi-use properties—can be full of surprises.

When it comes to housing, the FHA rules apply in addition to those of your state/city.