If you are less tired and stressed out, your productivity will be much greater.Our lives are our biggest asset.

If it is just open minerals with no production, there may not be a lot of value.

When you find a BPO that's poorly completed and shows a much lower value than it should be, that's one to pursue.

This will be our first MFH so I am curious to learn about what insurance providers and products we should be looking at.

ShhhThe more reputable they are (bigger showroom/better products) the better they are for your situation.

I can tell you that the only other bank product I know is going through the commercial department, and they don't let you live in the house.

Of course we want you to join our brokerage when you finish and become a productive agent when you finish the course.

I have found that different banks count rental income differently - but for each property, the rental income will be added to the income side of your DTI and the mortgage will be added to the debt side.There are other types of non-conventional loan products you may be able to refinance into, which may be more specific to your market and local lenders, as other posters have suggested.  

More recently I have been trying to think of ways that I can escape the "rat race" that Robert Kiyosaki writes about in Rich Dad Poor Dad. 

Some of the books that really impacted me were Rich Dad Poor Dad (Robert Kiyosaki), The Book on Rental Property Investing (by Brandon Turner), Cashflow Quadrant (Robert Kiyosaki), The Millionaire Real Estate Investor (by Gary Keller) to mention some.