You will need to be at around 75%-80% loan to value in order to do the cash out refinance, depending on the loan program. 

EHO, Insurability Code: IE, subject to appraisal"I understand the first sentence.. but the rest is foreign language...Also, the listing has "Please see agent remarks for offer submission instructions" but I couldnt find any on the listing...Please advise, 

Is their a better way or a program or something?

You could also look into using some sort of DP grants or first-time homebuyer programs, as for example, Bank of America runs a grant for using them, that can add up to about 18k towards downpayment and closing costs.

There are a number of programs offered by lenders which may be able to help with part or all of your ask.

Some of them have some great HELOC programs. 

The parameters of the loan program you use to refi will dictate how much cash you will be able to pull out. 

humidity is also a thing, it's common to see dehumidifiers in a lot of these older basements to keep the crumbling and dampness to a minimum.2.) read up on 4D and Section 8, so you're aware of what's involved when properties are participating in those programs.3.) st. paul calls their rental license a COO - certificate of occupancy; maintained by the fire dept. 

The Section 8 voucher program is money for the tenant to help with making their rent payments.

Is there a training program that is better for someone who wants to invest in multiple states or does that really matter if my goal isn’t to agent for others right now?