As far as positive ROI - I'd like feedback on the following items:-Switching to tankless hot water heater (current water heater doesn't look so hot)-Upgrading electric panel to a Span Smart Panel.

If so, any pros/cons you can share? 

I am not leveraged on this house so I can sell and start fresh but have no idea really the safe way to get started. 

There is not enough information here, so we don't know. 

I helped create it so let me know if you have any questions I can help with.

So take your time, talk to different folks, and do a bunch of research. 

If you are curious why, read on, but I'm gonna go into some detail so it might get boring...So why is this such a good way to get involved?

Now, any other refinance might be annoying in of itself....so get prequalified beforehand so you know what to expect at least. 

There is a contract signed by the previous owner for 5 years with 10 automatic extensions, so the contract expires in 2024. 

So again, you can make it work, but you really have to look at the numbers carefully and I would argue be more conservative than before.