@Matt R. , yeah I do wonder how they come up with that figure in terms of jobs/economic impact..

Originally posted by @Andrew R.

A few quick data points for you:1) In order to do a VA IRRRL (which is still a VA loan), you must have a minimum of 210 days from the date of the first payment on the first VA loan to the new note date (i.e. closing date of the IRRRL).2) A minimum of 6 months consecutive payments must be made on the original VA loan.I'd first look to see if you have any VA entitlement left following the 4-plex purchase... if not, perhaps consider a refinance to an FHA loan while it's still your primary residence (loan amount can be up to 97.75% of the value of the property if it's a rate/term refinance) in order to reuse your VA entitlement for another purchase down the road.

On average I see it takes about a month to get a borrower repaying and then to expect them to make 12 consecutive payments in 12 months when they have not done it is being a little aggressive.

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Affordable prices and booming economy and GROWTH:The region has been Virginia’s fastest growing for five consecutive years, with a population of 338,000.A highly skilled and expanding labor force of more than 1 million resides within a 40 mile commute.Strategically located just 35 miles south of the nation’s capital and 35 miles north of Richmond, capital of Virginia.Over 47 miles of Interstate-95 serve the region, carrying 120,000 cars per day.Excellent rail service is easily accessible, including Virginia Railway Express’s commuter service and Amtrak.

@Radai R. 

@Roanna R.

@Jonathan R McLaughlin Thank you for such a detailed response, and very good point about the not apologizing aspect.

Originally posted by @Matt R.