Goals -Refinance soon-  I planned on going 15yr with the lowest interest rates I can get with a credit rating about 740- Yes I feel more comfortable getting stuff paid off quickly rather then having lots of 30yr loans-Build 20% equity with improvements prior to refinance-No more PMI !

While we're in the learning stage, I figured I could still help the community by providing my services as an Insurance Agent in California. 

Advertisements include looking for or offering deals, services or funding or self promotion of any kind.

Always do the math analysis and try to look at your prospective properties before you make an offer or at least have a clause that will protect you for some time (usually about 15 days) to make a detailed inspection and possibly back out of the deal without a penalty that will hurt you too much.Right after you close on an improved property get an insurance policy that will protect you if there is a loss.  

(Likely resale value on this second duplex is $110)Downside: more financing = more exposure to risk (the loan is 20 yr, first 5 years fixed, then floating.) downside is less cash flow because more goes to debt service.

(I'm about to go double check the lease, but wanted to put a feeler out there)Also, since I haven't done it before (in this special case or just in general): When screening a new commercial tenant, can all the same tenant screening services used for regular rentals (e.g. mysmartmove) be used, or does it have to be a special thing specifically for commercial property, even if the business that's applying doesn't have a history, and is a new business?

Had a title search done(abstract service) House a tax lien(which i can pay, no problem) but it also has 3 personal liens on it. (2-of which i can have them sign off on the lien) the 3rd one is my issue.

Had a title search done(abstract service) House a tax lien(which i can pay, no problem) but it also has 3 personal liens on it. (2-of which i can have them sign off on the lien) the 3rd one is my issue.

The amount you originally paid is irrelevant if you can show the current value is comparable to what is selling today.Emphasize the value you added to the property with the improvements you made. 

Congrats, I am surprised to see the number of improvements for $5,100.