The only criticism I have for you is this.... please dont take offense to it, but the fact that you say that you've never had more than $2000 in your bank account is a giant red flag.

Union city real estate market is red hot!

That's a big red flag for me.I would deal with the roaches and then get rid of the long-term tenant as soon as legally possible.

This is a red flag that the landlord is trying to get the money out of my unfairly.Faucet: The faucet in the kitchen broke down within a week before the move out date and there was a water leak.

Check out Red Bell and Realquest.

I use Rental Research but there is a lot of red tape to this now. 

Any company that needs that much money up front is a red flag.

However, details are sketchy, which is a big red flag. 

So im I'm looking into a Cash out refi red on my primary residence to potentially find my first deal however unsure of texas refi laws can anyone help explain and answer questions on texas refi laws??

If you're in the red, forget it.