recently purchased a 4plex in HB, Ca.We are on state farm insurance and everything is fine, decided to shop around and noticed that USAA is lower with similar level/amounts.USAA however required that all tenants i forget the exact phrasing but something like "tenants for at least 6months"Now i said that my tenants have been there for over 10 years, and are technically on month to month now.

I write the lease that it must be delivered back at the same level as they received it and you take a picture of the gauge on occupancy (or differenced is reimbursed at the current rate).

I was wondering if you all could recommend books or online learning materials that have that same level of information, I'm really looking for detailed analysis on how to do things as an agent at a higher level of undertanding.    

Deck might add some value and would advise to get a permit if you are increasing opening size and I would definitely get a permit if the deck is raised to the level of the current step  landing.

That would put the bank at a lower LTV and they might lighten up on their requirements.

Contact banks and see what additional loans they can offer with lower down. 

It is a full basement stacked tri-plex is a design with 5 bedrooms on each level plus a Mother-in-law style suite on two levels next to the attached garage and with a 2 bed/2bath ADU over a detached garage. (21 rooms, 25 bathrooms). 

I’ve been looking at areas like Newark, NJ and Philadelphia, PA , which I find attractive due to lower property prices and property taxes.

You may be able to get a cheaper loan, or one with a lower down payment. 

You’ll be near the lower end of that if you do 15 year vs 30