My failed expectation of safety is rooted in the frequent early morning visitors often get the wrong house on the first try, theoretically allowing for a dope head to walk into my house at any hour, the fact that the son is still at large and we could be raided by the State Police again at any moment, and the fact that the secluded nature of the area makes our side of the property easily surveilled by the other side - which is not optimal when my wife is home alone.My landlord is now seeking damages for the lost rent and has served me with an eviction notice. 

By nature I'm not a systematic thinker, but I know I perform at my highest and enjoy having systems and structure.

Just to clarify, the PMI on an FHA disappears if you refinance into a different product, but it won't naturally fall off upon hitting 80% LTV which is how it used to operate.

Tadpoles and snails naturally do a good job of keeping algae to a minimum.

I work in the self-directed IRA and 401k industry which is primarily focused on retirement accounts that can be setup to allow investments into real estate and other alternative assets.

Alternatively, you could continue paying your current amount after the refi and it would be paid off in about 23 years, saving you 3 years of payments. 

@Ryan Allison we've been discussing some of these topics recently, including the 200K price point and alternatives to Boston such as Rhode Island, in a related thread: Cheap Property Near Boston.

The steps you're taking are good ones in order to establish a FICO score, but as you already said . . . it'll take a while.There is an alternative process to this "automatic underwriting" called Manual Underwriting in which the underwriters are able to use manually input different data into the loan process and can often approve financially healthy individuals who can't get through the automatic underwriting process due to "no credit score."  

here’s another short paragraph from his book, “The whole thing just feels natural, doesn’t it?

It's an excellent alternative to Fannie Mae.