I want ice cream!"

If youre still not able to qualify, work with your lender to see where you can shave out some monthly expenses.

I like Marco and have spoken and had drinks with him over the years quite a few times.Decent bloke and pretty straight shooter.The mastermind stuff is legit as someone that I have looked up to and would consider a friend and mentor even tho we haven't connected in a while is Eddie Wilson (Aspire, Think Realty, Power Room, etc...)Cream of the crop business man, entrepreneur and philanthropist.Marco is affiliated with them so that side of the investment IMO would be safe to say the least.Never was a fan of OPM or venture capital.Raised $500,000 once for a very high risk tech project and got F#$@%ed by my CTO.Was skimming investors capital from the top that should have went to the developers...I shut it down as soon as I found out and paid back my investors (Even tho I heavily stressed that they would probably loose).Now I have someone throwing at me an unsecured LOC of between $250,000 - $500,000 at 12% interest.Can turn it around quite low risk and double doing deals over 12 months but I'm still hesitant lol.Just in case something goes wrong, I'd rather loose my own capital that somebody else's.Call me crazy but it is what it is lol just secure it unilaterally to your projects if being unsecured bothers you. 

Yeah, people can up vote dumb stuff too but it's less likely overall and the cream tends to rise anyway.

I like number 1 just based on what I read, especially if you can get a new primary and shave off a downpayment for an investment property.

If I were to put 2400 per year back towards the mortgage, the 6.375% equates to only (maybe) 150 per year that I am "making", but if you do that for a few years up front you can shave off years on the back end of the mortgage.  

I say this because your opening post was like walking up to a buffet and asking the chef if you should have pizza, sushi, ice cream, scallion pancake, spare ribs, or peanut butter and jelly.

Let s have a chat and see how I can help.

Most 4's have separate furnaces   Finally NONE of my rents are $800 a month. mine average around $1200-$1400. 

I've worked for a few direct lenders and theres a reason the cream of the crop become brokers; half of W2 employee LO's have no idea what they are doing...If I'm buying a property, I want a good quarterback directing me through the process, not a third string who is lucky to see the light of day.