Go to a credit union and get a low interest 2nd mortgage and leave the 1rst mortgage intact.

Verifying last 2 years of rental history very important!

Verifying last 2 years of rental history very important!

While some property management companies may prefer to control the listing for operational convenience, it’s crucial that you, as the owner, retain ownership to safeguard your reviews, booking history, and overall control of the property.

They struggled to place a tenant @ $1900, and were hyper focused on high credit scores (>680) and income.Another had a 3 bed 2 bath more spacious home a bit more South, but still in Staley HS area.

., tours, etc) however, many applicants had evictions and poor credit history (low credit score doesn't bother me, but when you have 7-10 credit card and personal loans in default, it's a serious red flag.)

That is owner occupied starting 2025.I will test (if approved) STR or MTR…on the other unit, but also Besure it works for LTR.We both have good credit, DTI is way low, great jobs, and money saved to start this process.Here in Lexington KY I feel it’s hard to find duplex in a decent area unless it’s over $500k.We each prefer under $300k for a duplex.

It makes sense, most have no credit, no balance sheet yet  possess this desire to own real estate with no proper direction or understanding of the business  and this is the unfortunate outcome. 

Your credit score is above what lenders want6.

There is a lender willing to refi cash out the property right know, should I take this lender offer, or would it be better to go to a local Credit Union or Bank and have them run the numbers?