If you have current CC debt at 20% a year then use the extra money to pay off CC debt vs lowering home loan interest. 

It's all about redirecting the interest back to yourself rather to CC company that you recieve zero benifit from. 

Here are a few notes on top of your notes :)   You are correct, it is Garner and a hop, skip, jump to DTR - I think with the right renovations and marketing I could get 1250 but am optimistic for $1,300 but you are right, let's be more conservative to be safe.Closing costs include me paying an agent a fee for bringing me the deal..although CC may not be the right field for that.

I currently manages 248 units NOT Sec8 but mostly C/C+ properties and guess what, it's the exact same tenant base as Sec8 just without the voucher program. 

No cc or car debt. 2 months living expenses as a reserve/emergency fund.

ONLY PAY WITH CC- I have gotten burned paying via cash app- at least with a credit card you can dispute the charge and get your money back if they produce crappy work. 7.

I do self showings via a rently lockbox which accepts the CC as a form of validation proving the prospective tenant is who they say they are.

$92k W2 incomeMonthly Debt = $560 car + $200 CC + 100 (net loss on rental from schedule E)Before you criticize that I’m operating my 1st rental prop at a loss, consider that it’s an appreciation investment that’s increased $70k in the last 3 years (while losing me $100 per month in cash flow) and paying $550 per month against the principle.Please HELP!!

The permit requires copies of Certificate of Occupancy - (the converted garage must be legal), CC, CEU, & CZC. 

I have no debt other than cc debt that I pay in full each month, so my DTI is pretty low.