Honestly, refinancing 6 months after the purchase isn't really in play here.Lest I leave you bummed out, here's the helpful stuff that you can look into:The VA loan benefit is up to $424k for your area. 

It's a puzzle that should induce a coma, but I actually find the thought exercise of it all... stimulating.

Uh...except your landlord is still a millionaire and you still over here sounding like a bum tenant, haha.Don’t think your millionaire landlord is even remotely phased.

This is the anxiety inducing part of cold calling.

The more you make the more you can give to church, missionaries, street "bums" ;-) (Phoenix Rescue Mission), etc and the more time you have to "help give a hand up".

High turnover; late payments; dodgy complaints; regular tenant-induced damage, and so on...

One of the aspects of purchasing that is most anxiety-inducing for investors is in doing a CMA and figuring out the After Repair Value of the property.

I was majorly bummed but since I had already priced it in I wasn't devastated just sad I didn't get lucky haha

I'm just bummed I wasn't around for the early nineties crash when banks WERE selling stuff for pennies on the dollar! 

I currently live like a bum but I'm saving like crazy.Though I am a newbie to real estate investing, I believe the first step is not actually real estate but learning to be financially mature and disciplined.