I will provide you with some general, yet common things that apply to most deals. 

Consider this post a public service.Each Appraiser provides a similar service, but the manner in which they provide that service may vary.

The topic of tenants using fake id online is concerning and poses potential risks.

I would read the Actual subordination agreement online myself though.

There's lots of real estate investing education at BP, online in general, and with some noted investor educators around the country.  

I have State farms on my main house & attached ADU, but since they are NOT issuing new policies in California, I have been unable to find an INS company willing to just provide INS for my rental.

I think the value from Toby is the combinations of that he and his partners who understands tax, law and actively participate the things that he/they said.What needs to make sense is if the value they provide offset their cost and if they can really deliver the end result as planned.   

Renter's insurance ensures that if something happens to the unit that renders it uninhabitable that they have a policy in place to provide financial relief for relocating.

This isn't always as simple as it sounds, but could provide some additional insight.

So I would need a good interest rate and provide upgrades that would yield positive ARV along with pay down and appreciation to provide 20% equity for a refinance?