DTI, gross income, credit score all play a factor in how much you can borrow.You may want to reach out to @David Ribardo.

Ideally everyone has vacated but if not you should immediately start eviction.  

Let me play devil's advocate...

That would be the ideal target. 

Honestly, refinancing 6 months after the purchase isn't really in play here.Lest I leave you bummed out, here's the helpful stuff that you can look into:The VA loan benefit is up to $424k for your area. 

Septic is not ideal but the lots look plenty big to support it, you just need to make sure that the land perks.

I would wait a bit, market your rental on FB, craigslist and local places to see if you can get a long term tenant in there that will stay for the full year or even longer which would be ideal.

Excel spreadsheet of the property: this is where your knowledge of the neighborhoods will come into play.

It would be nice to share ideas.A few more specifics: - I’m interested in single-family or small multi-family dwellings in A or B zones- The closer to the West Coast the better, but that said, I’d be willing to go all the way to Nova Scotia if that’s where the math works best...ideally I’d like to follow the one percent rule - Random detail: I’m actually a poet looking to support my writing habit through sound investing.

This is more of a land play where per door price is 130k and rate about 6.9%.