If you rely on the insurance company to tell you how much insurance you need to buy you may as well go to a listing realtor and ask them how much you should pay for their listings.

***If the refi costs were going to be ridiculous or if this was going to be our forever home I wouldn't be considering these things, but we've now found lenders with refi costs as low as $2-3K (so in 3 months we would've already made that back with the money we'll be saving from the min payments we'll be saving every month from not having anymore credit cards)...and I know big picture we're paying more interest on home loan, but again - if we're going to sell in a few years anyway (with still having equity to collect) then does that truly matter, because again - the debt has to come from somewhere at some point, so we may as well keep as much as possible in our pockets now, right?

So if you were gonna buy a $750/mo rental in a crummy area you may as well save yourself $10k doing it. 

The reason I was pushing the renovate and invest is that my company gives me a stipend for living and I will have to be in Pittsburgh for 7 months regardless, may as well make it work for me.

HOWEVER having said that if your intention is only to pay down mortgages you may as well keep the property.

Since I am here I may as well ask, When I do find someone that is willing to sell their house with seller financing fn and I just pay them a monthly payment for equity, how do I begin the process?

Happy Thanksgiving Maya S

I appreciate any and all referrals.Thanks you,Maya

Less than that, you may as well operate as a flipper of cars or a wholesaler of merchandise.  

If you get your license and at some point decide against it, you may (as in Florida) put your license in an "inactive" status and have no disclosure requirements.