If the only debt problem is the mortgages, attempting a short sale would be the easiest way out of this, with the fastest recovery time.

Then: I want the lowest interest rate possible.Now: I want the easiest bank to work with.I think my investing career has gotten easier and more fun since I've changed my mind on the above 3 items.

I think FHA or conventional 5% are going to be easiest for you to apply.

I am paying them 500 a month untill i pay them off. 2 years max.that is why i am looking at refinacingYou can look into a creative method called Gift of Equity.

That would be the easiest solution in my opinion.  

Most people lack the money for a down payment, and their personality tells them if they do have some extra money spend it on a good time, beer, a vacation, new skis, a gift for junior, etc...

I say the better market is the one you can understand the fastest and get to the easiest.

The easiest way to get to $10M net worth is to do enough BRRRR's until you build a portfolio of 30-40 single-family's.

The other bedroom has two openings that make it a bit awkward as well.Options I am thinking of1) Thick curtains/drapes: easiest to install, provides some privacy.

With that being said, owning your primary is the easiest way to move forward with a refinance, however, it is not a hard stop if an investor doesn’t own their primary.