When I refinanced it for a much lower interest rate earlier this year, it changed that loan to look like I had a loan for $40,000 and still owed $38,000. 

Address: 118 Jaffrey Rd, Malvern, PA 19355Your agent is mainly a Radnor/Lower Merion agent ... obviously she does high-end listings, but I'd probably go with someone more local like Robert Van Alen who only has 7 active listings all of which are close by to yours ... your current agent has 19 active listings, meaning that at best, you get 5% of her workable time, not factoring in new business generation, being further from most of her listings, and higher end listings taking priority.Also, do understand, the Philly market overall has slowed quite a bit compared with just 6 months ago ... so even a new agent can't work magic. 

I guess my big questions are if there are any residential MF in the Aurora area as I do not have access to the MLS and if it is possible to create a house hack situation there.

That put's me at 16.98 price to rent ratio initially, which is lower than average for Northern Virginia.

The ducts are in the ceiling and there is no attic to access them.

When you get more experience the investors feel more comfortable and charge less points and lower interest rates.

The easiest access to the flat roof is from one of my tenant's windows. 

. - Unfamiliarity with the area/surroundings- Lower Rent compared to CA but I know I can't compare apples and Oranges (But I don't want to invest just to break even)------------------------------------------------------------------------ Tax questions ***Some state does not have tax on income(?)

I am looking to get traditional financing to make a lower monthly payment because it will be  $700/month with the owner financing agreement.

Happy to run different numbers for you, if you'd like and think that would be helpful.Radford might be another market to consider - growing campus, but not the same appreciation rates as Blacksburg, so the entry points to rentals are going to be consistently lower.