If you have a tax company and real estate that is paid off, you should have no problems getting an unsecured line of credit.

@Patrick DanielIts a 3 bed 1 3/4 bath. 2,545 sq ft.

But maybe somewhere down the line we'll be able to help each other. 

🙄ClintThe tree is right on my side of the property line mostly, he has a fence next to it.

So to address one of your first lines of "is that what people tell themselves to get out of removing it", I think you're doing the opposite.

For me, it is ideal, all the tenants under on roof, it is a great building-8 2 beds and 4 1 beds.

Wondering if we could use a dormer (6-10') or 2 to give it more space and become a master suite or 2 beds.

If anything I would live in one room and rent out the other two individually at around $500.Property Type : Single Family 3 bed 2 Bath.Property Price: $200,000Down Payment of 5% at $10,000Loan of $190,000 at 5% interest rate                         ExpensesTaxes $150ExpensesInsurance $ 115Electric $ 100Water $ 70Gas $ 50HOA $ 0Lawn $ 25Vacancy $ 100Repairs $ 50Capx $ 100Mortgage $ 1284.96Total Monthly Expenses $2,044.96                "Cash Flow" (Didn't know what to title this section)Out of pocket $744.96Tenants Rent : $1300       Cash on Cash Return (This is the main part I need help with)Down Payment $10,000Closing Cost $3,000Rehab Budget $7,000Total Investment : $20,000

It has been used as a retreat, recovery center and Bed n Breakfast.Now it is time to sell.

It's also my job to keep clients from crossing clear black & white lines.