But what you see is affordability as a big fat Oxymoron. 

We’ve already cut the fat including thing that are “wants” and not needs and we still have a lot of things that must happen before we can list it including some structural projects and sump pump issues etc…I’m working two jobs and caring for 3 kids and husband is working 10-12 hour days so obviously time is limited.

The mentality is "Ban the 46 OZ soda at the convenience store because people can't control themselves and they are too fat." 

If things workout then you can renew and then get another fat check.

Pigs get fat, hogs get slaughtered-free rent, fat chance! 

This means there are scenarios where it's easier to get a big fat giant 30 year mortgage than rent a place for a year... go figure.Those are the big ones that need to be navigated, other than that it's pretty standard FTHB stuff.

The practice creates enormous bad faith with renters, and that bad faith turns around to bite us all.Pigs get fat.

Always open to chew the fat and meet another investor.

Total expense = roughly $ 16,000 Profit - $ 5,550  X 12 = $68,000ROI = Roughly 9-11 % A lot of fat to trim here . on top of that , a refinance in 18-36 months down the line Thoughts , ideas ?

Based on what kind of answers the caller provides, you may be able to save both of you a lot of time and energy.Trim the fat before you cook the steak, not after.