I sympathize and understand your anti-debt feeling, I was the same way, but you have to see real estate as an investment, and debt is a tool, not an enemy.

The only stipulation is that is cannot close until day 91I would inquire with the Title Company/Attorney that you would like to close with beforehand to make sure the title insurance underwriter has no issuesThis differs from the FHA financing "anti-flip" that prohibits a contract being executed prior to day 91

They are anti-real estate. 3) I own my car out right.

Hi @Keith Newell,In the interest of full disclosure, I am not generally anti-guru, just anti-BAD guru.  

Now that said, this site is generally anti-guru.

Unless you have an anti-landlord agenda, doing a 30yr owner occupied cash out refi right now while you're living in the property would be ideal. 

There's the Lead Law that says that you cannot rent to a family with a child under 7 unless you have a lead certificate on file and there's the anti-discrimination law that says that you cannot discriminate based on family status, etc..

That's nothing new here on Bigger Pockets but I've found that most of the community here is anti-coaching and of course anti-guru.

There are a variety of reasons for this, however one of the biggest I have seen is the anti-business stance of Tucson.

Welcome to BP Ant, i suggest reading the NZ Property Investor magazine and joining your local Auckland Property Investors association.