In the southern/middle part of the country you can get into a great area for under 300k.

It sounds like you’re on a good path considering refinancing for a lower rate.

Little details do make a difference.Feel free to reach out with any questions and maybe we'll cross paths out there!  

Treat homeowners who need to sell because they are in financial trouble like you would like someone to treat your parents.Unless you hate your parents, this will always guide you down the morally correct path. 

I might go back to Canada eventually or move to another country in 10, 20 yrs… Who knows!

@James McGovern if I can assume by "undocumented immigrant" you're talking about someone who entered the country illegally, he/she would not be considered part of a protected class under federal / state Fair Housing laws.

In other countries, they have been doing this forever and in fact they do not have fixed rate mortgages as we know them to be here in the U.S.. 

It's the laziest possible path the outcome is predictable. 

After my first purchase I quickly discovered that the fastest way to scale was through multi-family and so I set forth on a new path. 

That's right there a list of the least risky cities to buy property in, with the easiest path to becoming a multimillionaire.