This limits your refi options when you take your scores down under 660. 

We also had the option of another type of policy that was even less expensive that would have required us to spend at least 1 night in the house and rent it at least 30 nights each year.

With some of the new properties they find they are getting great interest rate buydowns from builders. with equity of 1.2M you have many options on where to move. 

You should definitely be able to at least find yourself some solid realtor options via bigger pockets.

For the most part vs focusing on a specific neighborhood or two I would say keep you options open to all. 

If your cabinets are made out of plywood and nice enough painting is actually a great option. 

Starting with a smaller property or a few fix-and-flip projects can help you build equity, gain credibility with lenders, and better understand the process before scaling up.Securing funding for larger projects can be challenging without prior experience, but options like hard money loans might be worth exploring.

If it does vest, then the 2nd isn't currently $8k and the paperwork could further help your case.Other option is to completely ignore the equity in your residence and look for creative financing on the property you want to purchase. 

I MAYBE could understand if they just hadn't gotten around to having automated credit card tracking like every other accounting software on the planet, but to not even have the option to track them manually is ludicrous.  

Kyle there are a ton of options here that you can compare.