Mike Morgan at UFCU has been awesome for me for cash-out refinances- not limited to 6 like other banks, rates are decent to good, and their appraisers are not afraid to appraise for full value, so you get a true 75% LTV.

I am considering a electric cooktop vs a standard full stove with oven.  

When I found that out, I knew that whatever greater force is out there, was giving me this money in some way to help me become who I really am and succeed into my full potential.

Would your co-worker be happy with the idea of you (immediately) wholesaling the property for a profit, when he could just have it listed for full market value in the first place?

So I guess everything I do is technically part time because some days i'm working on a rehab project, the next day I'm working with one of my non-RE business clients, and the next day I'm working on something completely unrelated...It's not easy to make a living right out of the gate being a full time agent. 

Currently I'm asking for a full month's rent ($500/each)....I would look to ask for at least 3 month's rent from the bad egg ($1500 total).3.

Have you done any full Renovations?

We converted the property from a 3BR 1BA into a 2BR and 2BA with a full master suite with walk in closet and stand up shower with double vanities.

I did this because I have aspirations to invest internationally in several locations in central and south America and didn't want to just talk the talk or be a wantrepreneur, rather put myself in the field and put the building blocks together myself..I am currently waiting for the CA Bureau to approve my license application so I can take the test to receive my RE license (completed the course work in Spring of 2018 while going to school full time, working part time).

Starting in this third year, after the refinance, I would make $2032 a year after all expenses, which would amount to ~20% ROI based on the $10,000 paid to the seller and ~9.2% ROI based on the full $22,000 put in (including repairs and money lost in the first year).