Another thing to consider is the re-fi...what's the plan if you can't.I'm surprised to hear you can't work an FHA loan...last I recall some lenders were underwriting down to a 520 credit score...It sounds like your DTI needs to balance out first...are there any future opportunities for similar properties? 

Originally posted by @Jay F.:I

I'm new to the Bigger Pockets Forums by way of the Bigger Pockets Money podcast by way of the FI/FIRE movement.

@Mindy Jensen it was on a Denver News station too and posted in the Choose FI

@Aleksey F. I

So, what was your determining factor in taking only the $38k out as cash for your re-fi?

Primary Mortgage Second Monthly Insurance Taxes HOA Utilities/Wi-Fi Def Maintenance Vacancy Estimate

Hey @Alnie F. I

Roof, mold remediation basement, 2 bathrooms)Potential CF after Re-Fi--Only $70/mo, but I'd literally be in the deal for no money at all after re-fi. 

Hola fellow FI seekers and real estate aficionados!