Thanks Charlie for your referral, stretching out the due date might work-- I'll check with my agent and see if it's possible.

Thanks for your responses @Charlie Fitzgerald and @Brendan Morin, I think I'll do some calling around to some local lenders to see what there charging.

Originally posted by @Charlie Fitzgerald:Hi @Joe Lambert I think you need to follow a debt reduction program (Debt Snowball plan) and eliminate your consumer debt while maintaining the rental that you have until the point that you are debt free.  

Thanks @Charlie Fitzgerald for the advice.

Here is some resources to check out Randy and Charlie France and Bob Meister offer several courses on this subject.

@Charlie John that makes a lot of sense.

Thanks @Charlie MacPherson I noticed how my previous filter started to gradually show fewer properties as months went by.Just to add some color for new investors: breaking even while occupying a property is a good house-hacking target goal.

Charlie - All helpful but I believe I pursued many of your suggestions. 

@Charlie MacPherson   --- Did you have to add insulation to the rehab as well? 

@Charlie MacPhersonYikes!