Id be in the wrong business and I would've nailed that billion dollar powerball. 

If you're going to immediately put all 30k into a down payment on another house, then a refi makes more sense because you are instantly tying it all up and you won't need the flexibility - so enjoy the lower rate.You may get nailed on a refi if you are not at or near the end of your mortgage term.Personally, I used a HELOC to buy my rental property and I have learned more since.

I generally give an opinion of what I think the price is, a possible range, how long I think it will take to sell etc. those sorts of things...and much of my opinions can not necessarily be nailed down to data that is hard and fast like in a CMA, but rather from the experience of being in the marketplace on a daily basis.

The hard government cap on mortgages kicks in at 19.

There's an old saying: "when all you have is a hammer, everything looks like a nail".

I think @James Wise hit the nail on the head!  

Such tenants include hair salons, nail salons, restaurants, check cashing, etc.  

Ray - My 2-cents as a lender: Scott really nailed it with his advice above (Brent, too!).

Michael kinda nailed it.

I do require my tenants to call me before they dig or put a nail in a wall or installing anything.If you do have more than 3months on the lease, Then I would suggest that you do send them a violation notice, And start a discussion with the business owner who signed the lease.