Although from what I read, State Farm is rated highly for rental units. 

Unless I am doing something really wrong, it looks like the rehab estimator tool has changed?

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Junky low-flow heads come in two types: the kind that are essentially a regular shower head with a restrictor somewhere in them, and the kind that spray out a high-velocity mist.

I'm looking into multifamily (duplex & self landlording) in my local area to get started, but my tri-state area (CT/NY/NJ) has a high entry price point that I'm concerned with over leveraging myself and losing liquidity on my first deal. 

.: Biggerpockets sells a Lease Agreement Package under "TOOLS" at the top of your screen. $100 for a lease and several other documents, written by investors and attorney approved for your state.

I'd like to try to get at least one more evaluation so if anyone has a property management company they highly recommend, that info would be much appreciated.

He was an absolutely amazing agent and I would highly recommend his services.

Her credit is high 600s vs ours at high 700s and will be the basis for refi if she stays on.Are we thinking this correct and fair in terms of both options?

I am ok with expensive if ti gives me quality.