Also, the banks that did approve me told me that they could only use the rental income from the other units (75% of it) for an FHA loan, not a conventional with 5% down (which was my goal to avoid upfront PMI and have it automatically drop off at 78% LTV).

Drop your meet-up information in this thread!

If rates drop in the future, refinancing again could lower your payment, but it’s good to make sure the numbers work now just in case.

We just discovered a crack in the concrete slab foundation that is a borderline major problem:- It is a vertical crack about 1/8 inch wide that is at least 9ft long, which is causing a 3/4 inch drop in the flooring and some evidence of old (luckily) limited moisture and termite intrusion. - BUT, it also appears old and probably a symptom of the original house settling.

Meaning any of your Helocs can be closed or reduced at any point if any of your banks feel you are over leveraged, miss a payment, credit score drops, even by mistake it happens all the time.I would get rid of the Helocs and put some cash in your bank so you can use that versus a Heloc. 

Just click on thelittle black triangle to the left of the name andrew thanks for that tip I was wondering how you get that info to drop down !!!!

or was it more of a "I COULD live here if need be" but the issues was ultimately dropped? 

You actually are technically not allowed to have a second drop for electrical.

We were under contract for another place and walked away because of a 2" drop in the house in one corner caused by the foundation not going below grade and the owners not willing to do anything.

Less than 48 hours for mouse droppings to dry.