I fought hard to get HVAC replaced but seller refused but then got it "certified" that it's functional and good life for 5+ more years!  

However, I'm curious to hear your insight into the staging industry.The furniture I design is a combination of modern, rustic, and industrial.

That document, in combination with the photocopy, is acceptable as a substitute for the original note.  

The alternative options just so you know what cards are on the table are commercial loans on 1 or all 3 combined.

You may also want to use the search function and/or set up a key word alert for refinance and HELOC. 

@Taurick Bautista You might consider doing a combination of learning about real estate investing by reading books and attending REIA meetings, reading stuff here etc., AND taking a class or two each semester at a community college.

The cash flow isn't that great but assuming the property appreciates over time combined with the debt paydown creates alot of equity, no?

Functionally speaking the 70% rule in my understanding is to what you should max offer, not necessarily what they are going to ask or accept.You have a house with ARV 100,000 and are asking 90,000.

Let's humoristically call it "How to effectively graduate from the School of Hard Knocks University: the soft and hard tracks".Some numbers (rounded):All rents combined, the property is operating at $5000Mortgage/PITI: $4500Common utilities all paid by owner (single electric and gas meters on the entire property): $500Conclusion: as a result of his ongoing house-hack experiment, the income matches the expenses.Milestone complete.

I'm also concerned about the logistics of how this will actually function.