Even if you did a horrible, barely cash flowing property with the $155k, it'll still net the difference + some.Don't get caught up on the "I don't want to lose my rate".

I got laid off for about two months and everything fell behind (except our mortgage, we've never missed a payment always on time) but our credit scores are horrible.

It's not horrible every time, but I would estimate 1 out of 20 rental situation resulted in a bad tenant, case manager, accounting errors, etc.

NJ is horrible if your buying in certain towns. 

I’ve had a horrible tenant this first year with my property.

That looks horrible from the pictures I pay for a job done correctly.

Its honestly a beautifully designed website but Boostly's customer service is horrible.

There are some investors that will allow 80% LTV, but pricing on those loans will likely be horrible.

Wow that's horrible

It's very expensive, has horrible traffic on restrictive roads due to the geography, but is very beautiful, not much snow, milder temperature swings, great hiking and outdoor activities such as 4x4 or hot air balloon tours - very touristy.