Yes I do read Chinese but is this contract even has legal effect in California if it's mixed with English and Chinese?

To eliminate the PMI, you'd likely need the home to appraise for close to $290,000, if you finance the closing costs.

Would you happen to know an effective way to get in touch with a local mentor as well advice on how I can add value to them while being new, inexperienced and low revenue?

From the property managers I’ve talked to, some will actually slightly under-price their property in order to have the reverse effect- lots of interest in the rental, therefore they can be picky about who they rent to.

However, all other liens against the property, including mortgages or mechanics' liens, remain in effect as well.

Thoughts on what would be more cost effective for me, commercial loan or try and take out a second mortgage loan??

I apologize if it fails to effectively do so. 

Due to COVID-19, it’s unclear how we can practice social distancing & eliminate any health concerns at a large conference, thus we made the difficult decision to postpone to 2021.

And less likely to feel significant effects from a recession.Thoughts? 

That is not effective and people won't learn from that in this trade.