Owners debt heavy (1st mortgage $219k, 2nd mortgage $42k) Sales comp $255,000 July 2017 (I walked this one and it had basement water issues, near highway and less land) My offer would be:Assumed their 1st mortgage for $219k.

Plan to move out and rent unit C in 1-2 years.Mortgage: $183,000down payment: $6,405Mortgage payment with insurance, and taxes: $1450property taxes: $3,060yrhome owners insurance:  $1,740yrUnit A singe bedroom: $850 leased until 9/2018Unit B single bedroom: $800 leased until 6/2018Unit C three bedroom: currently leased at $1100 until 1/2018 but I will be moving into that unit.Landlord pays for heat in all units - seller said it is roughly $500 a month.tenants pay electric.Using the bigger pockets calculator I see that while I'm living there it should cover the mortgage / I may have to pay small amount.

Does anyone have a suggestion for replacing hot water baseboard heater covers?

In my understanding ESA animals are not covered by ADA because the are not trained to perform specific acts the way a service animal is.

I'm am doing a straight up refinance to get out of the HML and into a lower %.HML amount to payoff $56,500.00.Getting appraisal Friday, but hoping for minimum of $125,000.00, being conservative and hoping for better (my real estate agent thinks $135,000.00 but I think that's being ambitious.)I don't think I will really know the LTV till the appraisal is done but assuming the appraisal is $125,000.00 I should have 45% equity into the property, as there will be no cash out, and the new loan will simply cover the HML loan at $56,500.00, plus closing costs $1350. 

https://www.biggerpockets.com/forums/52/topics/680...As for covering hardwoods with laminate; I would not bother. 

Another thing you can do if that isn't an option. is find out how much on average the utilities are on the building for the past two years and then add a little on top so it covers you maybe even make a little at the end.

They are willing to cover the entire down payment needed for obtaining a commercial loan to finance this deal. 

Is the seller expecting that your payments will cover their mortgage with a little left over?

I offered $194,000 with the seller covering up to $$2,500 of closing costs.