I've actually been on BP for going on 2 years but have been a lurker rather than an active poster.

If your credit score is still mending and your home’s value has been slow to rise, sticking with an FHA refinance may work best for you. if your home has gained value in the past few years of the housing rebound, you may be able to forgo future mortgage insurance payments.

I have a blog post on the classics of landlord lit, all should be free at the round rock library or for a song at a used bookstore around the area.

@David Song I'm currently investing in Columbus and really like it out there.  

It is worth a try, that way you forgo the banks until you really need them. 

Same song, another verse. 

That was all it took to send me away with tail between my legs... only many years later to learn about the several perfect owner carries I could have had for a song... a cabin in the woods for $5k owner carried financing, student rentals that I lived in that the owner would have sold me!!

you will pay a lot more for going through any retail store.

Since your goal is to pay the loan off in 15 years have you considered forgoing the conventional loan route.

I decided to forgo it.