I've now owned my first rental property for about four months and am now looking to purchase my second property. 

Good afternoon all,Looking for some quick advice as this is my first REFI and I am having alot of doubts.

Hi Yulia, First, make sure the company is legitimate. 

First step is to not worry about what others think.

For the first loan the bank has to take the "Niederstwertprinzip" in account, that means, even if you buy at a huge discount, the bank can not appraise the property higher than your purchase price for that loan.

I bought a 4-plex (my first multi-family purchase) without an agent. 

I am beginning by real estate journey with purchasing my first multi-family home to rent out to section 8. 

A good Realtor brings a lot to the table and is probably worth it for your first sale.

We meet the first Wednesday of each month. 

I am under contract on the sale of my first home, I have owned the house for 10 years in Oakland County, MI.