@Chris Kay beleive you can do DSR loans without a job as they qualify the property, not the borrower.You'd still need 20-25% down though.That's where you have a decision:- Pay down the mortgage, setting yourself up for a future refinance to free up your VA Entitlement.OR- Save up for your next acquisition.Only YOU can make that decision as you have to be comfortable with the increasing debt-load risk and the additional time to manage everything.

$800k at a couple extra percent means it’s costing you AT LEAST $16k PER YEAR in additional interest.

I charge a $150 pet fee, of which $30 goes to my cleaner for the additional cleaning. 

Additionally, don’t overlook the opportunity cost of pulling money from your 401k—those funds could have been compounding in the market.I’d also suggest stress testing your ROI by running scenarios with higher expenses or lower rents to see how resilient the investment is.

You can evaluate the additional cost and payback time as if you were paying for heat to get a handle on it but the jump to most efficient is probably not worth it in your situation.

These are professionals with additional training and a stricter code of ethics.

Thank you for the additional info.

With the cash out refi it would be the same you would just factor what you would cash flow with the new monthly payment. 

In my experience, physical evidence like this has been a deciding factor in cases like yours.Consult an Expert: Even if you plan to handle the hearing yourself, an initial consultation with a real estate attorney could be invaluable.

It would be best to schedule a call so that these items could be discussed in more detail and provide answers to any additional questions you might have.