If pests continue, that is tenant responsibility. 

I would focus on building my skill sets, paying down debt , building a nest egg - savings, 401K, Roth IRA, etc - and continuing to educate yourself. 

I know we’ll get approved to pull cash out but my concern is that we’re adding debt to our residence...I know we’re sitting on some solid leverage but am hesitant to continue pulling cash out of our primary residence.

To continue...3.

@Christopher Heil Depending on your comfort level, you need to make a plan whether to continue to build up cash or if you're ready to buy and hold.

You're better off calling because you'll drive all over God's country and maybe the guy is there, maybe not.Rates have risen that high and will continue to rise. 

Even though they are a paying tenant we didn't know if it could cause problems for us down the road to continue having them living in our property without a signed lease.

We have worked with thousands of borrowers, and continue to, due to our superior customer service and knowledge of this business.

I feel like long term the Hudson County area properties will continue to appreciate as demand gets pushed here from an increasingly expensive New York market.Are there any experienced real estate investor's with their brokerage license that can sit down with me discuss my options moving forward. 

Is there general advice right now to get money onto a fixed rate asap, or is there projections for continued low rates?