Like @Jay Hinrichs mentioned, it’s more expensive, but for reasons.

It doesn't mention requiring paper receipts at all.

I was not able to receive a refund because I waited too late after purchasing to request one. 

Allen, you mentioned your kids going to college.

That is assuming your DTI can cover the increased mortgage payment.If you have use for that extra $100k that you would get back right now then don’t wait.

I should mention my dad is a disabled vet as well and is maybe interested in growing a portfolio too so we could team up.

If this is how a cash out refinance works, it feels like the strategy is to either have more to rent out within the property (multi-family), wait for average rents in market to increase, rehab the property more and increase rent more, pay off the property/ more of the mortgage and refinance again without a cash out to decrease the mortgage (I don't even know if I can refinance a property twice)? 

I looked into True Submeter but they don't service California and I am waiting to hear back from California Sub Meter.Thanks in advanced! 

Hey @Marc Shin, personally I like what @Bruce Woodruff said.You could get things ordered that you need plus hit up all those places that Bruce mentioned.

I like the West Mobile area, its class A area, you can definitely find deals there, 3 bedroom with 2 bathroom for around 220k or so, you may have to wait a couple of years for positive cash flow but properties there increasing in values better than others.