And there is no way to fix that in a short online reply, sorry. 

But it's not AM Best rated and there's very little info about Lighthouse online. 

Oakland County has a nice online database you can access at Oakgov.com. 

This allows you to access home ownership with some of the low down payment options while still furthering your investing goals.

You've accessed the gain through the refinances. 

The thermostat is firmly located in the living space of one unit, which means the second unit would not have control of or access to their heat source.

I am looking for information to help me learn about buying homes from online auctions.

@Brandon LewisFor investment properties I look for several key indicators- Local businesses/restaurants/shopping centers near by- Easy access to public transportation- Proximity to local schools and the quality of those schools- Investment in the area (is the area being built up/commercialized?)

I've found that online reviews are almost always going to be skewed very negatively.

Here are two quick and dirty ways: for the lowest interest rate get a HELOC on your home.Since it's a 5 unit you're facing commercial rates and are playing in the big leagues of financing which means you need a seasoned entity combined with personal guarantee for the lowest possible interest rate.You can buy a seasoned entity online (make sure it's in the same state) that has a 80 or higher credit score, move the entity to the property address, change all the credit lines to the new address, transfer the property into it, and get your credit score to 720+.Apply for a commercial loan if you don't want to go the HELOC route.