As long as you understand what you are giving up, and recognize that you are willing to do that because you are conservative and interested in higher cash flow, then you already know what you should do.

But I also recognize that the cost is high because taxes are high.  

Don't fight those feelings, just acknowledge them, and recognize them for what they are.  

You just have to show up ready to work for it.I am in no way trying to take away from the individual challenges people face and recognize I have been very lucky throughout my journey.

Also, is zoned SF-2, so condo-ing them off isn't an option currently.Would seem backwards if I wouldn't be able to find a lender for a cash-out refi based on it being "2 units", and also wouldn't be able to condo separately because it isn't recognized as 2 units.Any recommendations here on what strategy to use for the best LTV & rate would be appreciated! 

She asked about a deposit she did not recognize. 

"I want to believe him because I really need the money…"Please recognize that you're desperate.

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Dude, as long as the feds don't recognize a state's right to regulate the sale and consumption of reefer within its borders, I would avoid it.

If the difference is so big, you didn't even need a surveyor to recognize a problem.