Its very difficult to predict the future.

The Real Estate Center considers six to 6.5 months a balanced market.   

I have some deals that were 82-85% and some that are 50% - but my portfolio balances itself out and still sits under where I’m comfortable.

So the agent and prop manager can check and balance each other.

The department store category and really big box 60k,100k sq ft buildings etc. selling mainly clothes and then smaller balance clothing stores in malls have been getting pounded the last 6 years.

I think choosing a broker is a little difficult in my opinion.

Banks can be so difficult.

His resume makes it difficult to question his advice!!

I want to refinance my lender out and get some kind of conventional loan so I can pay down the balance with the rental income.

Further, I think you're saying the original owner also signed a modification raising the 1st mortgage balance without any notice to you, adding $25,000 to the cost you'll have to cover to obtain the home yourself in foreclosure?