I am looking out of the state I live in and having everything done remotely

(I have owned property for 1 year and tenant has lived here for about 8 years) I had a tenant move out and they left quite the mess.

@Manny Martinez FHA monthly mortgage insurance is typically 0.85% of the loan amount, so you are effectively already paying the rate you were quoted, $200 per month on an $80,000 loan amount would be about the equivalent of a 3% interest only loan, now factor in the difficulty in finding a 2nd mortgage in todays rate environment that low and assuming the refi rate you are talking about is a fixed rate, your $200 extra per month is paying down the balance of the $80k further reducing the effective rate you are paying on the $80k, all while paying about the same effective rate on your existing balance when you combine your rate and MMI... seems like it is a good move to me or at least better than finding a 2nd mortgage.

And as I told the Auditor why would I go to Indy in Feb.. and look I have 10 loans on my books in Indy and I live in Oregon..

This keeps the finances of your personal and business lives separate.

I am currently having an issue with my landlord, and when I searched for the answer the bigger pockets forum was the first to show up so I am posting my question from the perspective of the tentant, but also so when I do buy my first rental I have a better understanding of things.With that being said,I live in an SRO.

I've had clients say a neighborhood is unsafe based on the sites but they lived there for years with literally no problems.

I was working on it while living there.

I wanted to share that information because I live in Toronto for about 10 months of the year and spend the two months in the offseason back in Boulder.

My sister lives there and our good friend sold his storage facility a year ish ago in Morgantown b/c he got a great offer and wanted to retire...