This thing is my baby right now.Have you ever been in that spot?

I spoke with my lender who got me my original mortgage and asked if this would be a possibility and he basically said no because I don't make enough money anymore, so this is the reason why HML would be my second option [I was working full time when I got my first mortgage, then I had a baby and was a SAHM for 8 months and have been working only 2 days a week since October]Any advice?

Baby Boomers are a massive generation and Social Security helps pay rent for a lot of them, in some ways it's a version of Section 8 housing but obviously with different tenants. 

This man doesn’t own any clothes or furniture and wear the same clothes always.

If you haven’t worn clothes in six months get rid of them.

They recently had a baby. 

All new clothes all the time, carwash at least twice a week, put styling gel in his hair.

I am a newbie looking for my first deal (a duplex, triplex or fourplex), and I had the epiphony last week that every time I buy a home to live in, I should be applying the same strategies used on real estate investing on my own personal residences.My wife and I are getting close to upgrading to a new residence (baby #3 is on the way).

Go to your local mens clothing store that is not Jos A Bank or the Mens Warehouse. 

She was a teacher before our babies came.