Im in my early twenty's and looking to get any advice to better build my knowledge for going forwarded.

Thanks Jim for going out of your way and finding some links.

Agree completely @Insang Song

I think the reliable method is to provide clear objectives and timelines with penalties for going over the timeline unless agreed to in writing.

This process allows the bank to also make a valid claim on their mortgage insurance.My recommendation for going forward...

And I apologize for going back to the refi idea so many times, but lets say she does take a refi- and we pay that balance off while she is living.

I will start  my two rentals paid  one was actually 3 days early.. tenant works for the DOD in area 51 high level 100k plus 750s plus fico.A class rental in Vegasother tenant is in Mississippi my last Go zone house I bought post Katrina for Go zone tax bene's  works at Nissan pays weekly straight from his employer.. this tenant has been there going on 10 years..

There are issues/problems you can forgo by doing all the things my older self will tell you to do now - but not at the cost of ACTION - Another thing - buy a house or a rental?

I don't believe anyone is lesser in anyway for going or having tried one of the scams with the hope for a better future or trying to achieve success.

Welcome @Marvin Song !