Neither of us have experience with this type of heat, but we know that many home owners have converted from oil to gas, due to cost and efficiency. 

Most likely the boilers only 60% efficient if it doesnt have a flue damper and it is really that old.

If you are efficient with your work you can refinance out of the loan within 6 months.

I don't know if that's true, but I don't see any reason for this to be the case.Now, I understand how in many situations/markets buyer's broker can be a huge help in identifying and pre-screening the properties to view, to cover broad markets efficiently.

When buying C class, the margins are much thinner per unit than normal so you have to run it very efficiently.

On the other hand, MLS access will make it easier for you to narrow down your property searches in a more efficient way than you can on public websites.That being said, its still tough to say you should get your license for the access.

It doesn't seem very efficient to pre screen a lot of tenants and take them to a viewing when one could have known on beforehand they the potential tenant would never qualify, just by asking the make or break questions right away.A pro I can see to asking all questions upfront is that lazy people or people who realise they would never qualify don't bother applying.

I would recommend @Nadia AlrawiNadiasellsnorcal.comShe works with W Real Estate in Santa Rosa and will make sure that your real estate purchase is done thoroughly and all the details are taken care of efficiently.  

Get good (read: efficient) at your job or get used to being unconcerned with your hourly income.

Efficient formulas?