Your lender should be able to help dispute the appraisal if there are clear inconsistencies or missing information, especially now that the property is rented and generating income.It might also be worth exploring other lending options, as some lenders have more flexibility with appraisals or different processes that could work better for your situation.

Real estate for the last four years was betting on red or black but the ball was fixed to win as it was nearly impossible to lose.

Essentially, I am betting that rates won't go low enough where it makes sense to refinance.

The owner needs to know you are solid, a good bet.

And it gives us a lot more flexibility than a LTR which in our particular case is nice.

Over time, I’ve accumulated more cash reserves and don’t need as much flexibility, but I’m actually in the middle of a refinance right now using an interest-only mortgage—because the pricing with the lender and the corresponding ARM is more favorable than a comparable principal-and-interest loan.The key with these alternative or "exotic" mortgage types is that you need to be financially savvy and have a solid plan.

You have full flexibility to use none, some, or all of the rehab budget.If you have any questions, I’d be happy to discuss how we structure our loans to best fit each client’s needs.

I bet you were floored when the person ordered every package you had to offer!!

Look into areas with lower price points and solid rental demand this can allow you to start investing without the pressure of high local prices.Your brother’s contribution gives you financial flexibility, so use this time to find a property that fits your needs without rushing.

Currently also a firefighter but I have more flexibility in my schedule than most  would.