. $1.5MThis property is located just a block and a half from the beach in Carlsbad, making it a prime spot.

It's data + personal preference + which way is this block trending (D+ to C or C to D+).

Even in the “gentrified” neighborhoods of Federal Hill, Fells Point, Canton, Harbor East, desirability can be very block by block so you have to be careful that you understand these neighborhoods (and blocks within) somewhat intimately.

Justin's transactional lending site that he sent me is no longer accessible. 

Then a wise man who was already successful doing what I wanted to be doing shared some common sense that I took to heart: settle on ONE strategy to get started and block out all the other noise, the BS, and the well intentioned but misinformed friends and relatives telling you that you can’t do this.

Do you have MLS access for true ARV?

Tenants do want another tenant having access to their home and the manager doesn't want tenants knocking on their door all hours of the day.

You could also explore HELOC options, which might give you access to the equity you've built without needing a full refinance.

Lender had access to my savings account, DTI, credit scores, etc.I put 3% down and used the rest of my savings for the rehab.

Side effect, this gives you access to FHA should you ever find a property to use it on.