Focus on keeping upfront costs down and shop around for lower interest rates or lender credits.

The problem in analyzing is we have no idea what Thomas' personal FICO/credit history, assets, vesting type etc.. 

We offer it at TFSB but it does require the basics like qualified credit score, DTI ratios - Must have W2 or (2 years of 1099 income) to qualify.

Credit card receivables are much more clear cut.

Hey Tyler, depending on your credit, the max LTV for the cash out will be 75-80%.

The reason being I have to build up my credit score before I can get approved for a loan. 

Then I was blindsided by this I asked if i was entitled to a denial of credit in accordance with the Equal Credit Opportunity Act-Regulation B 15 U.S.C. 1691.

Hey @Mike Sather you will get differing setups from folks.For us, we provide smart TV's (Roku) and internet and no satellite TV (no cable where we are at).

I have found the JLDs to be mostly from credit card companies and banks, but I am still unsure if that's what I am suppose to be looking for or not.

Wife and I both have an 800 credit score and plenty of income with a 19% DTI ratio. 2) Do you recommend that as a first timer I actually do go with a higher down payment product as I learn?