Thanks for the tips, Robert!!

Try and find a Local Community Bank, Credit Union, etc.Raymond

Close on both this coming week so I'm wondering what everyone is using for there credit background checks that are free or purchased.

Any other tips?

Any other tips/feedback is welcome.Thanks!

Since I recently had some expensive credit card and medical bills, my cash reserves are extremely limited, but I would very much like to make this deal happen.I own two other rental properties and both currently have tenants.

Can all rentals be used by one credit card and one separate checking account then have another of each for personal stuff?

Next step is to dispute the transaction through the credit card company.

Will need good/great credit scores and probably 25% plus down.  

However, since both units are rented this would be classified as an investment property in which case your rate will probably be 4.00% to 4.250% on a 30yr fixed depending on FICO credit score.The maximum loan to value for a cash-out transaction (investment property, duplex) is 70%.Based on the information you've provided it doesn't appear the value is high enough for the property to be eligible for a cash-out transaction but you can still remove PMI.If you want to send me a PM I can run a complete analysis to see if removing the PMI will offset the slightly higher interest rate.I'm also licensed in CA so if you're looking to purchase a property I can help with that transaction as well.