Originally posted by @Jaron Walling:@Christian Weber If you don't have other consumer debt or car payments I'd seriously consider the cash-out ReFi.

You have become licensed with Wall Street first then bring it to the area you’re in.

But with 5 units, there is not much room to move walls or do anything major.

College is a waste of time.

I have a few rooms in a unit that has crumbling plaster walls that I am looking to remove, insulate the unit, and put in new drywall.Any and all help is appreciated!

In general paying points on a small loan is a waste of money as the differential in payment takes many years to recoup.

People ordaining houses, intentionally creating mold issues, illicit activity in terms of trafficking, lots of damaged walls and carpets with very little room to pursue.

The writing is on the wall. 

Here is what I’m concerned about, i did all the work myself/ paid cash to get it done.Here are the upgrades(I’m sure some of these might not need a permit but I’m new So idk)-Added central heating and air -tore down two walls to make an open living concept (non load bearing)-renovated kitchen/moved gas line-replaced some of the foundation 2x6 floods became they where damaged by termites -add/move electrical sockets-new floating floor-replace pluming with pex/ pbc-painted inside-replaced a window- maybe more but you get the big picture.Will the appraiser report me to the city?

Walls have holes, drawers and cupboards are falling apart, paint is chipped, trash everywhere, etc.