I pay an introductory rate for the first two years, my current payment on 21k is 71.34 a month.

I want to refinance this property and take out the money to buy another rental property (or at least put a good down payment for one or two).

If I can subdivide I will be able to put up two houses that I will plan to list in high $500k to low $600s each (smaller lots and smaller homes but new).Thank you.

On first look, there are two wells, and they don't appear to be hooked up to anything.  

Level 2 River White Granite and Venetian Gold Granite are two other options I'm looking at...The home is a rental property which I'll either move back into or sell in 2-5 years.This is the wall and floor colorThis is the kitchen with the old cabinets..Cabinet uppers and lowers are going in painted white.You can see where he island will go

This was the third time I did work for him and never had a problem getting paid the first two jobs.

If you can swing a 4plex, that would get you up and running faster, but there are two reasons you might not want a 4plex.  

I feel like if I at least converted the electric to two separate utilities, I'd be good.

If you just type the name out it won't tag them, like in your previous two posts.

There was a two family home in the neighborhood where I lived, with an old For Sale by Owner sign.