The good news is if you are financially stable and have an extra $25,000 or so in the bank as reserves, it should be a fairly safe deal to be a first time one to learn the ropes.

(Talking with the permitting agency, they e told us to make up our own forms). 

I found some webinars in the cpacademy but I want to learn the basic stuff of real estate (I know about depreciation, schedule E when to file 1099 all pretty basic stuff that a normal Tax practitioner with a PTIN and License should know).Do you have any books?

You can always revisit rezoning later upon sale if you want, but for now, I'd recommend not in order to keep your tax bill / insurance bill low and really juice your margins. 

As others have mentioned too, refinancing to get you out of the hole sounds a bit tough since it seems as if you're wanting to focus on getting your monthly costs lowered, while not having stable income the last several months. 

That's how I know the HOA won't pay for the balcony...they're not financially stable.  

If someone comes to me, I'll send them your way.If you need help in your search or want to verify something don't hesitate to ask.For example: I have clients worldwide and things are just as easy as I e-mail them, talking on the phone.

@David Sicherman runs a company www.easytitlesearch.com based in Florida for quick and cheap O&E reports.  

The people are generally stable, with great work history & ethic.  

@Dion DePaoli @Brie Schmidt @Joseph Ball @Bob E.