Refinances have higher instances of getting jammed up than purchase mortgages, mostly due to self selection bias (a typical FTHB has spent a year making all their financials and credit pretty, when folks refinance they are their 'normal' selves). 

@Jerry Padilla its a single family investment property, 80% LTV doesnt require PMI, can you tell me if selected banks offer Freddie Mac loans or all of them do and i can just call them up and ask for 80% LTV?

@Chase Clemens We use Guardian...probably best to connect with them directly...they seem to be getting more selective with what properties they take on...As an alternative, check with the city...maybe they would be willing to sell you an extra meter if you install it...Good luck

I've had to evict 2 tenants; 1 I inherited and 1 I shouldn't have selected.

For a select few, they can earn way more not investing in real estate if the investment takes any of their time.I know of one investor who lost out on a £1M commission because he was chasing around a tenant who needs some minor repairs.

I suggest you do little bit of searching/reading and select two-three providers to contact and discuss your situation.

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Investing in a property that you will be living in while splitting ownership will complicate the situation come tax time, and may disallow passive activity losses for your daughter.It is definitely possible to structure this deal to potentially work, but will require a lot of consultation to make sure all your i's are dotted and t's are crossed if you happen to be selected for audit depending on how the invested property is used (rental activity (schedule E) vs itemized deductions(schedule A)).

-Comprehensive Marketing and Advertising-Owner Deposit- No Delay Fund deposit to owner-Schedule Rent Increases-Recommend market rate rent cost-Strict tenant Screening & Selection-Monthly record Keeping/Statement-Cost-Effective and Reliable maintenance -Lease Law Compliance -Regular “Common Area” Inspection-24 Hour Online Access To Parking-Rent Collection-Lease Renewal (3 month notice)-New Tenant 60 day Inspection-Handle all tenant calls, emails, and texts-Owner Communication -Property up keeping including lawn care

Now, my AC recently went out and is going to require a replacement (around 5k to 7k depending on the brand I select).