We highly recommend going the extra mile and giving your appraiser a letter/description of the area/trends that your property is in detailing how you came to the number you arrived at regarding value.

There is no reason to open a ceiling unless a camera reveals a problem.The big issue is that shutting vents can put extra strain on the blower fan.

From there it's up to you if you want to continue to build out your portfolio of SFHs or sell it and use the extra cash to get into something bigger. 

Do you charge an extra guest fee?

Take it one month at a time - in the grand scheme of things one extra month of mortgage payments (even at a higher rate) may not be so bad. 

Richmond has a host of traveling nurses due to the number of hospitals, so you can consider that route as well for short-term rentals in an extra room.Shoot me a message and we can find a time to talk if you're interested!

I always paid a little extra here and there. 

Multifamily I can do higher since I'm getting extra units.  

My lender said there would be no extra cost to us but this all just sounds to good to be true.We like the flexibility of having 3 loans (we could sell them as a package or separately over time), but I am wondering if that's the smartest move here. 

Nowadays in LA, you're probably talking $400 SF for a nice home with those extra footing and steel.