I guess my next step, as everyone has mentioned, is find a green team and find someone to partner up with.

Major cross streets, Western and Montrose) The market is coming back - it's about 10% down from when I bought it.

See if you can have them cross-reference the list to time periods of the delinquency.

My escrow officer told me to try and use the CAR form and simply crossing out lines that are not useful.The perfectionist in me wants a more exact contract (with all agent representation jargon removed etc.).I would love to hear any advice on this topic of forms to use in our great state of California.

@Rhonda Green If you do refinance and invest the funds, will the return on investment justify the costs involved in the refinancing and the higher interest rate? 

I've studied this stuff for about a year and it occasionally still makes my eyes cross.

Many personal and professional decisions went into this thought process, which brings me to my current question surrounding my choices and I'm looking for a little advice or options that have not cross my mind.We currently live on the Central Coast of California and will be here for another 3 years.

Grass is always cut, so it never crossed my mind.

When I scrolled through it I found "Cincinnati Area Real Estate For Sale By Owner" I personally have been advertising in the groups and find things all the time.May your hard work cross great opportunities.Glenn

I can't cross check with equity so that's about the best I could do.