$600 a month wouldn't be enough for me and serial refi costs money, generally loan time also. 

I spent years there in Jackson did probably 1000 flip loans to locals and owned at one time 200 sfrs..

The interest rate on a HELOC or Heloan may be better than the personal loan. 

I read that one of the requirements for getting your second FHA loan is having a change in family size.

Finally, the new house was complete, and we could move in.

.- Collect Tax Certificate to verify Property Taxes are Paid- Get a current statement from the seller to verify the existing balance, if they are delinquent, you can get the bank on the phone to verify the amount to make the loan current.- Review the loan documents, there is most likely a due on sale clause, which is why you won't find a title company to process these for you.

My first loans were at 9% .. 

Kieran, the best bet here is to refinance with a DSCR loan.

I took a small private loan and bought my first home.

Fannie/Freddie (Conventional) loans aren't just about rate and transfer taxes.