Admittedly, I wasn’t aware of the massive disparity between my 2500 deductible and what my out of pocket expenses would be if a hurricane hit.

Anyways, As someone who is new to the game and looking to get knee deep in the game, is there any advice out there to help expedite the process?

Hi everyone, I am Eva and I’m a newbie at Big Pocket.

@Alex Kamunyo Just in case, there are state specific forums on Bigger Pockets and the Texas forum is quite active. 

Least amount of money out of pocket How did you find this deal and how did you negotiate it?

A real gem.I now want to work on my passive income so I can leave my soul sucking factory job to persue other business ventures.I’m in a good position to have this work out well either way I choose to proceed but I’m looking for some advice from those of you who have been in the game for a while.

If I pulled $25K out with this REFi, I'd be coming out of pocket ($650) for the appraisal and our new payment would be approx $1500 (which is good becuase I think this house would rent for this in todays market and I wouldn't have to come out of pocket on monthly mortgage payment if occupied).

I value your opinion and many others on bigger pockets because with no real experience yet, I can only really go off of people who have had experience.

Whatever you offer is cash in his pocket vs losing it to an inevitable tax lien sale = no cash & eventually no where to live.Most of these 'people' are oblivious to any knowledge of financial security so I'd find out what he would take to just walk away flush with cash.

Hey @Robert Bodmer and welcome to Bigger Pockets!