@Chris Morey,It's not that you're shutting him out - in fact, invite him to participate.If he chooses not to participate, then it's his choice and not your fault.

I have lots of clients in the same boat- just getting started and trying to make the best possible choices as they move forward.

It feels like the definition of choice to choose an exclusive form of consumption, but it's a dangerous path that leads to exclusion of other options in your life.

I have lots of clients in the same boat- just getting started and trying to make the best possible choices as they move forward.

I have lots of clients in the same boat- just getting started and trying to make the best possible choices as they move forward.

They have no choice but to succeed Thanks for your input in advance.

My other choices are to buy a turnkey out of state (which I find very interesting but scary at the same time since I don't know many people out of state) or to just keep saving until me and my serious girlfriend are ready to settle down into a house hack.What I would love to do is buy a one a family out of state for around 100K so that I can get started in real estate and also not have to put a huge down payment so that I still have the capital to do a house hack in the future.

You can schedule any date of your choice. 

$500 is about what to expect...however you don't have a choice, you can not get your own.It's also entirely possible there is a backup in Salisbury thus nessecitating a higher fee to get it done in time.

Refi sooner than later if this is your choice and it works for your situation.