Question is where would you guys go if you were in my shoes.

@Vincent PirroneIve recently been in the exact same shoes of despair as you currently are, so I’ve had to stop and take stock of why I keep ‘failing’ or feeling like a failure.

Have you got a good pair of shoes?

If at worst case, and if i was in a shoes where I don’t make enough, i would be up front with the landlord about the fee and ask if i can get it waived for me to go through the background checks.

What would you do if you where in my shoes, as far as refinancing?

These are setup so that people in your shoes can invest in real estate, without having to sink the time that goes into deal hunting, managing rehabs, collecting rents, ect.You could also look into partnering with someone who does this full time. 

The main thing is to find a mortgage broker who is an investor and who has been in your shoes before.

The best way to get over shyness is turn it into something rote, like tying your shoes. 

It might not be the best idea in a metro market, but in a VR market like this I'd probably go for it in your shoes.

@Ivan Maldonado I was once in your shoes and have to tell you, until you actually do a deal, you will always wonder.