1) Paydown the principal of existing loan using heloc.2)Recast the current loan ( instead of refinancing) to lower monthly payments3) Start using heloc as q checking checking , since the rates are almost zero in a traditional checking account.This is just one cost effective way of reducing interest costs I can think of and it costs almost nothing without going through any closing costs.

Depends on how cheap we are talking.Option #1: On the cheap-Get a google voice # with the local area code-Pull data (owner name, property address and mailing address) of properties from your local property accessor website (CAD, GIS, etc).

Would it be more cost effective to convert a detached garage and build a new adu?

Not sure of the ethics on that one given the need for an independent voice when it comes to the valuation, but some have nonetheless.Hope the real world answer explains it.Stephanie

When the city started talking about making a bunch of rules we formed a coalition called COSTRA to give us a voice and the turn out at council meetings was huge.

Looking for advise if anyone has any leads on cost effective skip tracers who use TLOxp.I used some fiver providers which were very cost effective, but definitely did not get TLO data (Despite claiming to).Any recommendations are highly appreciated.

Know the market price and simply let the tenants know that effective (date), the rent will increase to $xxxx which is consistent with current market rent. 

@Rod HanksWe terminated old lease and they signed my lease effective date of closing.

Also, lending limits for FHA are much higher in NYC so you can scale your equity much more effectively and take advantage of larger tax breaks.  

I was fixing it up when the shelter in place order went into effect and it went in the market shortly after.