Generally speaking, that small of a drop in mortgage rates may not be worth the costs of refinancing.

Thank you guys in advance, I can't wait to speak to many of you soon!

Hello Ramon,I do know of a few very good private lenders in Western Mass, PM me if you have a chance it would be great to speak to you!

I decided to speak to my mothers landlord.

., generally-speaking, the populated areas of Riverside and San Bernardino Counties and maybe some of the cities in Los Angeles County that border San Bernardino County.

The question I had when speaking to the mortgage broker I used on my FHA was that if I refinance into a conventional and for some reason I end up say taking a new job in another state will there be any repercussions (note that I don't have any plans to leave the state, just wanted to cover my bases) if I rented out both sides and moved it to a property manager?  

I am not looking for people to toss me their business cards, so to speak, I'm more looking for references to these folks.

I heard Sean Snaith from UCF speak last week at the National Entrepreneur Center regarding the economy... if some don't see the correction coming then they are not looking.

Personally speaking I realized its much more profitable and flexible when you are on the investing non traditional side of the fence. 

When I was initially trying to sort this all out it was really frustrating as I felt like it was highly unlikely that I needed to recreate the wheel, so to speak, as it didn't seem like such a unique situation.