So - my question - my current mortgage holder gave me two options to refi and remove my wife's name from the loan both keep the current 4.x% rate but one can be done within 45 days and the loan starts again at 30 years.The other option, an assumption process, takes 4-6 months, retains the 4.x% rate but keeps the life of the loan at the current 24 months.I'll be rolling a HELOC into the loan.My question is:  the longer term of 30 years will lower the monthly outlay a little bit and speed the process of getting my wife's name off the loan. 

I primarily look for duplexes and houses with a casita because I plan on living in one and rehabbing the other mostly myself but hiring out things that make sense or need permitting.

If you rent it by the room, I'd also hire a cleaning person to come in every week or two and clean the common areas as well as someone to cut the lawn. 

My new STR property is owned by a multi-member LLC (consisting of my family members).  It's my first STR and first LLC.  No income this year, but did have expenses, so I want to capture the loss and carry it to 2021. ...

I'm very familiar with self managing in terms of the tenant screening process, getting the tenant moved in, and maintenance etc issues during tenancy, but this will be the first time I'm trying to prepare for a tenant move out.

She was great and helped me through the buying process.

What does the contingencies process look like ? 

The mitigation company hired by my insurance came out yesterday and said there’s a lot of moisture and the floor, cabinets and walls need to be opened up and dried.

I don't believe an attorney will actively participate in a process that knowingly violates a loan. 

Setup dummy accounts and run them through what would be (as close to normal) day to day process and see which one works best for you.