The residents do not cause problems, they are generally on social security so if you give them a 5% discount they will pay their rent a year in advance, and they will host fundraisers to improve "their" clubhouse.

How do you secure 100% financing as a new investor?

I've tried to secure a second job, but the job market here is really tough and many of my friends have lost their jobs and been searching for up to a year in several different career fields (CO).

Not because I wasn't interested, in fact I had spent a LOT of time trying to secure such a deal, including meeting with over a dozen of these groups throughout the country.

There's a hedge fund with a separate securities arm and total company, that is going to enter those two in these things.

They are feeling less certain about their job security, their 401k and IRAs are down, costs keep rising, etc.  

Depending on the age of the kids, it could be one of them as that sounds like something a kid would do.I'd talk to the bad tenant and tell them there are security issues and reports of someone in the yard late at night. 

But, romex that hasn’t been properly secured to a beam, is kid’s stuff. 

I would not necessarily give up the deposit (if you have one) until a move-out inspection is performed so that there is some security for damages caused to the property.

Hi Dan, Refinancing at a lower LTV will make your monthly expense lower which helps your monthly cashflow but will also help you to secure a lower interest rate so that could be a good starting point for you.