I continued paying what I had paid before, with the additional money purely going to principal.The recast to a lower amount was purely to reduce my committed monthly payment to a point that I could get my property to cash flow if I had to move out (job loss, etc).

Unless you have a specific monthly target for your payment you can spread that out to make it a Win/Win.There has been a lot of growth in Denver over the last 2-3 years and new builds as well I just closed on a home for a customer in commerce city they also moved from CA and needed a fresh start. 

@Paola AstridIf you’re considering refinancing an FHA loan, it’s a great way to lower monthly payments or gain more flexibility.

I always say trust but verify.

I would apply to all of my dream homes and trust that the landlords can't refuse me because I would be protected under the Fair Housing Act. 

This was my first investment property and I used a loan from my 401k for the down payment and also used a local credit union for a 10% down payment on it when I bought it.

I know I am at fault here too that I trusted them blindly.

A HELOC could help temporarily if you plan to payoff the balance quickly and are planning to save on monthly payments in the short term.  

I like the one that requires payments to be deposited in an escrow account:New York state law requires that consumers receive a written contract for home-improvement work that exceeds $500.

I just had a bank tell me that per new Fannie guidelines, the minimum down payment on a 3-4 unit is 20-25%, even if it is bought as a primary residence.