I have to decide what to do about refinancing two of my duplexes, and the banker is pressuring me to return my application, but closing costs are really hard to swallow.

If there is a financing arrangement and you are not exempt from applicable financing laws, see a registered licensed mortgage originator.

5)Can you do anything with the equity spread in the house, if applicable?

And with mortgage activity down, originators, one would think, would be bending over backwards for applicants.

That applicant has a contract to perform engineering services for 3 more years with that company, basically doing what he had done before.

While commercial and industrial space is commonly priced and lease by the  square foot / m^2,  it is not really applicable to residential buildings (at lease in Canada and the U.S.A.).However, since you are buying a cash-flow and not a building, what is really of interest is the Net Operating Income (NOI) as Doug indicated and, after debt service, CFBT.The "fair" price will be how much you could/should pay for this cash-flow, which is determined by your required rate of return.  

I have yet to get a single application returned.  

While it could be the case that none of the walls you are going to remove / more are load bearing you need to be extra careful or you're dreams could come crashing down around you (literally)on the issue of permits if the plumber and or electrician are going through the permit process once the city gets these applications they will usually require a "remodel or rehab" permit eliminating the concerns of framing inspection. and if you use an unlicensed contractor you are liable for it for ten years down the road On the price for removing / moving walls is that just for framing or dose it include dry wall,  tape finish and texture?

I'm certain the only reasons that Aaron uses SQL is that's well suited for cloud-based applications which makes for ease of use for multiple users.Before migrating to InfusionSoft (CRM) I spend many years using both Access and contact management programs like Act!

The guy was passing himself off as the owner and managed to collect security deposits from several applicants (including this couple) before he was caught.