Have you read the NJ DCA pamphlet "Truth in Renting"?

Honestly, good on them for finding avenues for good ROI like they obviously have through their lending...not really their fault in any of the difficulties I have shared above, truthfully.  

However, you don't have to include a mortgage contingency, but you should be truthful that a lender needs to approve the loan, which often includes a required appraisal.Hard Money proof of funds is a Loan Pre-Approval Letter.  

After realizing the truth of working In a larger game development company, also realizing they’re all two hours away from my house (except some that are an hour away and I most likely wouldn’t be able to get into) and realizing my real passion is real estate/real estate investing I figured that I wanted a career switch into real estate completely.

There will be a LOT of items on the report, but the truth is most aren't that big of a deal.

That could be the truth.....BUT it could also NOT be true at all.

Honestly I get annoyed with that kind of thinking cause people gives me **** thinking the stuff I have are due to rich parents...Well the truth is: it is from only sleeping 3-4 hrs a day, every time I have a break from work I research economics, financial news, etc.

@Brittany Scott - Regarding payment of half rent and your landlord: I am a full time landlord in Georgia for 14 years, and I speak the real truth - there has been some half-truths being tossed around here.

The truth is that knowledge is power.

Anyone that promises 100% cash out on your refi is not being truthful or realistic.