Considering it was something more than a minor infraction it very well may not be on the local level. I

I was able to do a Cash out refi to the max level I was comfortable with while making sure the rents would cover the new payment and I would still cashflow what I needed to.  

And, of course, the level of rudeness was on a level I have never experienced even at the most depressed government offices.  

The link above shows that there are exceptions on the federal level.  I

However, if you are curious at all to compare costs on a higher level I could give you his contact info to discuss. 

I don't have loans that low but the few folks I work with both go to that level. I

I am pretty sure REI Reply is just white labeled High Level. I

Personally I don’t just max out the equity in all my buildings because I don’t want a ton of debt that I have no means to pay back at my wage level. I

Is this leading to the upsale to a new level?I

There are no areas that you can't make money in.You need to narrow it down a bit and be more specific about what you are looking to do, what your investment goals are, what your experience and comfort level is in dealing with crime, etc, are you personally living there, do you need to commute to work, etc etc etc.