Is there any downside in cutting all my gutter down spots and running them away from the house with an extension piece instead of into the ground downspout?

Regardless of whether you decide to refi or not, you should get the house titled into you or your trust's name - otherwise you are leaving a probate nightmare behind for your heirs should something happen to you.In addition, this home is now a rental and affords you some tax benefits - I'm not certain if the same benefits are available to an executor that are available to an owner, but I would venture to say your tax strategy would be better served having the home in your name.Talk to some local lenders and find out what the terms, conditions, pros and cons are to a straight cash out refi vs. a Heloc based on your situation (credit, income, appraised value of home, etc.), and then you can make a more informed decision from there based on your own personal goals.

Now I could see what @Thomas Quinn is doing could get called out.As absurd as it is that IS collecting an application fee and that is straight up illegal in this state...

I'm not a fan of HOAs, the fees can be onerous.But I have benefited by getting a new roof, new siding, and a new parking lot from the HOA fees that I paid.And besides those extraordinary items they also provided grass cutting, snow removal, heat, hot water, sewer, trash removal, insurance and outside maintenance.And besides those normal fees that I would have had to provide they also provided some items that I would not ordinarily provide like swimming pools (hate the maintenance and the liability), tennis courts and club house.

I heard a leak and after some detective work and cutting open the back of my kitchen cabinet I finally have located a few pin holes at the bottom of a kitchen copper drain line.These pin holes unfortunately are impossible to patch in that the cause is corrosion and is almost always caused by tenants or previous owners sending hazardous chemicals like Draino down the line and those chemical sat at the bottom and ate at the line and eventually you get holes.

I might even sign a release reserving the right to buy at my price if the brother doesn't buy and retain full title only in his name and maintain possession for x years, that might change the brothers attempts to make a buck by cutting you out or turning it into a rental, etc.

If your real tenant buyer actually exists and actually pays the rent, I'll take a cut of it.

I know i get a cut somewhere along the lines.

Big Daddys has each set of booths with electric cut offs no electricity during the week, before 8.30 ish and off 4ish on weekends.

Thank you@Matt Devincenzo I like straight forward thinking so your response is just what I needed.