In the mean time i'll keep looking at other areas to possibly cut expenses even more so I can continue working on a pay down the old fashion way.

Check out Marcus & millichap North American investment forecast for some info on good markets. 

, so nothing involving refinancing out of a private mortgage is included.TLDR here is the form that the private lender is being asked to fill out (if I really wanted to google around, I'd find the one from fanniemae.com, which this isn't, but it'll be close to the same if not identical) --> https://help.jmaclending.com/hc/files/11272354/12124295/1/1548800976976/Verification+of+Mortgage+Rent+%28VOR+VOM%29.pdfThe other 99% of the time, the existing mortgage appears on your credit report, and/or it's a big institution that's servicing it, between those two things and computers you never end up needing that old fashioned form.

After two inspections (Ram Jack & American Foundation Company), the foundation urgently needs to be repaired.

If we're going to be internally consistent, IMO the playing field has got to be leveled.To do that, you have two choices.If you hard cap everything at 43% (and can no longer sell your home to that FHA buyer utterly maxing themselves out at 56.4% DTI), I can point to some dozens of millions, or hundreds of millions, of American voter homeowners ("homevoters") who will not like the impact this has on their home values, unfortunately.

We just make an agreement the old fashioned way. 

New American customer experiences.Better.com customer experiences. 

Hi @Je Juergen I have used inspectors who were also certified by ASHI (American Society of Home Inspectors), who are well-qualified as well.

Even when I buy a property on another island, I generally use First American in Kailua.

We use the First American Title Insurance Calculator to estimate closing costs.