@Bobby Valcin Not sure about your area in Florida but in my County in SC I can find it online.  

@Teresa F. I

@Eric FitzgeraldI use Mint and Personal Capital to track my bank, cc, line of credit, heloc, car payments and other income/expenses all under one system.I think budgeting/dave ramsey style might work for people in heavy debt or focused on meeting a certain goal (early payoff student loans, etc) but for those of us who are focused on FI, as long you keep in mind each action or inaction you take has a direct impact to your FI, I think budgeting just becomes more admin work.

Next, what underwriting criteria do we need to watch out (or plan) for, or have the largest impact on a re-fi of this nature?

After checking with codes population growth has changed requirements and it's now able to be permitted but needs a codes required sprinkler system (Roughly $9000) to be a livable three unit under the new regulations.Without going into lots of boring details the short is I'm using an FHA 203k loan to bring it up to codes and then after a year plan to re-fi to pull out some of the equity to finish everything off and then move out after two years with the property making 1.8% of the perchase price monthly. 

I’ve listened to the credit card hacking podcast on BP/BP Money and a similar one from the guys at Choose FI.

Its a short read (you can skip the last chapter) and gives a pretty good overview on FI and what is "Enough".

Now dinner m-f. I

In my area you can Re-Fi after 6 months.

Originally posted by @Jill F.:I