I like to go for simple and functional, so I don't use ceiling fans.

Combined with longer manufacturer warranties, it leaves a tough road ahead for anyone working within the flat rate industry, IMO.

@SteveYou are right I need to determine first, what or whom cause the fire before giving out money...I like replacement as well but cost to benefit if never have an fire...also the purchased price is a nice return if have to tear down and start over...extensive but not total...2 story, damage on outside walls...Is it possible to do a combination repair...Have a professional do the structure work and then handyman do the rest...how do i make sure the estimate includes any possible wiring issues.

Combine that with today's technology and you will be on the mark and stay out of trouble.  

To qualify for a commercial mortgage, lenders will typically require all the signatories' combined net worth to be equal or greater than the balance of the loan, with 10% of that in cash.  

If you know yourself and need the forcing function, pick the 20 year.I've heard of some products that allow to keep the same loan duration while adjusting your rate and the amortization schedule.  

I would add, have a functioning bathroom (toilet, sink, shower)!!!

@Tadek Stadniczuk, there are several commercial insurance policies out there that can give you a lower cost per location, but you would most likely have to combine this new duplex with the other SFR for it to make sense. 

Good on you Steve.... the refi to you die mantra has gotten many folks in trouble.. there is absolutely nothing wrong with free and clear assets.. sleep well live well..... its one way to really scale up when that big deal comes in. .your balance sheet looks super strong.. your banker see's you have a combination of TRUE equity and your not leveraged to the hilt.Its the same concept of paying off 15 to 20% credit cards.. for me perosnally with auto loans at 2% no need to pay cash for those like I always did the last 30 years... and for personal resi with 3% money no need to pay that off although my LTV s are all under 50% and I always have that 500k of tax free I can tap if I want to decamp to retirement land..

@Saulo QueirozI'm fine with wiring, but I have a unit that doesn't have a function box for the lights in the ceiling.