@Brian Barfoot Honestly thinking this may be the best way for a buy and hold investor.

Have read lots of discussion and really appreciate all the honest people out here helping each other out. 

I appreciate the fact that he will walk through the property and give good advice and we have found him to be very honest.

In fact, I rarely even bother asking why they are selling because a) I don't care, b) often they won't be honest with you anyway, and c) sometimes you just don't want to know (as was the case on an ex-hoarder's house I once bought, because the details would make your skin crawl). 

As for refinancing a tax deeded property, I had to first quiet the title on the properties I bought, and then I could use the properties as collateral for a construction loan (which rolled over to a traditional mortgage).Honestly, the best resource I have found for questions like this, is my local county treasurer.

Honestly the tenant has been a pain in my butt since day one.

Or go to the local REIA meeting in Overland Park and talk face to face, no internet paper trail - people can be honest with you when talking in person.  

Its my first deal and to be honest I'm scared.Thanks so much!!!

Honestly, however, what did they expect when they moved into a duplex?

Meaning, for the more simple minded people, you could sit with your thumb up your butt for 121 months before you run out of the $8,000.If you can make more than 0.8% or $65.90 a month on your $8,000 over the course of 30 years, then I would say you would have made the right decision to skimp out on the bigger down payment.NOW.. my honest opinion, although i'm not a mogul like some of these people are, or pretend to be on this website..I would say keep the $8,000 and find a way to get extremely creative with it in order to make more than .8% a month to make it a good investment.