I tried to address her emotional fears with numbers.

So even though we can go and use fha again as owner occupied we are stuck waiting for at least 6 months because most lenders will not do the loan with fear of it being rejected by the underwriter.

@Rich DooleyLearn to make deals in your market, your first deal will not make you rich so don’t look for the grand slam, and taking action cures fear.

My why:I asked because We fear liability for that negatively leveraged land under utilized equity asset not to mention the opportunity costs are losing for us.  

Window company people are trained for high-pressure, fear-laden pitches.9.

Or they fear you will use the photos in a scam craig's list ad. 

(See American Housing Survey Reveals Rise in Doubled-Up Households During Recession and For Many Families, Bad Times Require 'Doubling Up'.)And there was also a fear about jobs/income and credit.

That's definitely a fear, however if you buy right where if you were to move out and it cash flowed a decent amount, then it really shouldn't matter too much.

@Wayne BrooksThats exactly what im worried about-if any "hang-ups" happen with refi, it could open up the flood gates of problems I fear.

My biggest fear as an investor (and father of 3), is that I'll overextend myself and end up in the same position that a lot of people were in during the crash.