Howdy, I am in a pinch. 

The reason why is that appraisers are, to quote Forrest Gump, "Like a box of chocolates, you never know what you're gonna get".  

Quicken/Rocket, United Wholesale, Homepoint, and so on, all being major wholesale mortgage players, all headquartered in/around metro Detroit (good place for cost effective hard-working workers, call it the Motor City work ethos of their parents still being around if you want, but good luck having good rates, low costs, and smooth operations, if your 8k or 20k workers are in San Francisco making San Francisco salaries, it's not like this is bread or chocolate where the wonderful Pacific ocean air is going to infuse into the mortgages and make them "taste" any better...).

My wife and I have been married for nearly 5 years, have a beautiful 11-mo old daughter and two chocolate labs.

Hello fellow BP'sIn a pinch!

The Seller does't care, since most of the time, the sale price has a hefty margin in it above acquisition, rehab and holding that any rental payments are simply icing on a triple chocolate fudge cake with ice cream.Clearly, this pool has much of the same characteristics.

If I get into a pinch, I can use a credit card to pay for a temporary repair and use cash flow to pay of the min balance until the funds free up at the 12 month mark.  

I want her to not have to penny pinch in order to keep her IRA withdrawals low, but it's also difficult to watch a family home disappear.

As long as you keep decent reserves so you don't get in a major pinch in which you have to sell, I think you're alright.To that point, though, I guess the scenario should account for that.

And finally, eat two scoops of double chocolate fudge ice cream, book a flight to " . . . . . wherever" and take a sheet of paper and a pen and write down every idea that comes to mind.