Now, when I have a more narrow question, I go to the boards like on here.See, the thing is, you need to catch someone at the right moment that they're willing to write a book in a post. 

Even with that a lot of it depends on current board members.

I am married and want to have kids soon.

Day night and all in between looking for ANYTHING that could be a red flag (gangbangers, graffiti, broken windows etc) When I see kids riding bikes, fruit vendors on the corner, you know its not super terrible. 

I'm definitely leaning towards the Refi, but appreciate the sounding board.

I installed tamper resistant outlets (don’t cost much more) but it’s safer for kids incase they want to play with the outlet(avoid).

Say you are at your kids soccer or baseball game and you have to leave to tend to an emergency - is that worth the $50M?

. $500/mo and valued around 300k in a decent neighborhood with the most lenient board I've ever seen. 

I mean it would be a fun activity for me as a kid

Find a housewife with kids in school and if they clean 4 units and make $100 a day and never have to worry about getting kids to school or being home to pick them up they will love it.