Which ironically is the remaining principle on my primary residence which will likely be a rental in a few years and is in TN a potentially more landlord friendly state.External influences: My wife and I are pursuing FI mainly through real estate.

Pardon the clickbait-y title...I'm practicing my copywriting skills :pIn all seriousness though, I just spent the better part of the evening figuring out a little conundrum and wanted to share my solution with any other noobies out there looking to save every cent they can during the startup phase.My one and only cell phone is a Project Fi (Google's new network, integrated with Google Voice) phone.

Semper Fi!

In the meantime, maybe check out some FI/RE blogs like Mr Money Mustache for ideas on how to decrease spending which will expedite getting to that next deal.

Just keep in mind that you  will need to certify a 1-yr owner occupant period......you can re-fi out of FHA and eliminate the original restrictions...there are a lot of lenders offering a 5% conventional now...it will save you on the upfront Mortgage Insurance Premium (MIP) associated with a FHA loan...and no owner occupant requirement.

Any specific advice or conversation is greatly appreciated.I am looking to start my own property management company here in Charleston, SC. I

Semper Fi.

Once you reckon you're ready, the Lender of your choice will arrange their own Appraisal (at your expense I believe, which I guess would be added to your new loan amount, or invoiced to you if re-fi declined.

http://www.latimes.com/sd-fi-deca-condo-20161207-s...Here is an example of California apartments going Condo!

if I had too I could re-fi, and possibly get a lower mortgage payment due to loan pay down by the tenant, allowing you to lower rent even more.