Hi I am trying to get a refi through that got a refer on DU, Borrowers score has gone up to 699 from 679 but his 3 tradelines are with same co, at zero bal he has 1 late on tradelinehe is W2 his ratio is about 46% and DTI 80% +.But I cant seem to get a true comp that can lower LTV if the guest house is used and the same goes for the income I am using one from Trulia but it does not include GHthe area goes about $500 per sq ft it would increase the value greatly on that alone

If you invest out of your area you increase your risk and increase your costs. 

Fear isn't bad or something to avoid; conversely, it's something you want to seek and embrace.

I love being a private lender but the fact that it simply increases my taxable income makes me consider shifting some of my note portfolio to multi-family perhaps...You might find this discussion beneficial where similar question is raised: https://www.biggerpockets.com/forums/51/topics/604...Owning notes in your retirement account (especially self-directed Roth IRA or Roth Solo 401k) is ideal since you can have tax-free income for the rest of your life if you utilize one of these vehicles. 

As most of us are seeing, inventories are either increasing or steady, while sale prices are softening. 1.

The house is in a good neighborhood just needs some repairs and I believe I can increase the value of the house with a few renovations.

The property's risk to flood is rather unique (and has increased in the last few years), but I want to make sure if there is any risk to the tenants, they are covered.

My agent has recently shared a listing of a potential monthly income rental property in Puyallup areDetails:4 Plex (2 of 1 br/1ba and 2 of 2br/1ba)Located in South Hill neighborhood in PuyallupBuilt in 1976 (needs some renovation)Current Monthly income: $3k 5% CAP Rate(With renovation can potentially increase monthly rent up to $4.5K 8.9% CAP Rate according to Rentometer.com)Knowing that real estate market in Greater Seattle area is slowing down, should I pull the trigger on this opportunity?

What I don't know though is that the prices won't continue to increase.

You make a great point with the CAPEX though - I will increase that.