(b) The existence of any fact or circumstance or suspicion of the existence of any fact or circumstance that indicates a property might be or is psychologically impacted is not a material fact that must be disclosed in a real property transaction.

The house is almost in foreclosure. it will be auctioned on June 5th. so i need to act swiftly.The owner owes 96k on the house, which is the Principal amount, but when i told her to call her bank for total loan payoff on the house. it was 105k.The house is ARV is worth 168k. doesn't need much repairs at all. about 5k repairs.do i have to factor in the total payoff, or just the pricipal owed on the house which is 96k?

However, this property is in a really great area so I think that factor would outweigh the lack of central A/C. 

Whether a Roth conversion makes sense to any one investor is a complex matter involving so many factors such as age, income, value being converted, cost of conversion, projected future tax bracket, etc.The cost of the the conversion would be determined based the appraised value of a property, less the outstanding debt. 

Also, you did not factor your expenses will increase at all so that’s why your COC% go so much higher in future years.

you have NPN and you have new origination performing notes.. new originations are readily available to you and are a great way to diversify.NPN are work and can be quite complicated and risk factor is higher but returns if you get one to work is higher generally than new originations.

Getting ready to do driving for dollars, send some direct mail marketing....I do not have a website (Do i need one now at the beginning)?

You'll need to factor those in as well

Hard to say what a individual institution will consider but for th emost part th escore is th emajor deciding factor.

I have decided to do a cash out refi, in which will give me a proper appraisal of the entire property, not a "drive-by" appraisal.