If the pricewould have been $20k less I would have been good with just a VA loan.So depending if you're looking at a larger more expensive house, I wouldn't refi the 1st one as I'm sure your interest rate is pretty low, plus adding closing cost would add more $ being refinanced.

He has also invested like this with us on a couple of high-producing STR beach houses (that net each of us around 70K per house each year).

This house only needed a full paint job, hot water heater and new flooring.

I recently found a duplex in puerto rico that I can house hack but I'm just worried about the economic situation in puerto rico. the house is in a small town of Coamo not the metro area. should I take this risk of investing in Puerto Rico? 

The entire house needs a makeover and a few fixes.

@Zak House, a home warranty doesn't protect "the home" because it isn't designed to.

(Though maybe twice so maybe a bad example.)But if you buy an identical house 10 miles out of primary city for 20% less and charge 20% less rent.

All the housing that’s around the Palisades and Northstar ski resorts is also unincorporated Placer County.

He repeatedly kept saying he was the best, and anytime I needed work he would say his contractors are the best.issues with  the house: Foundations caving it with countless stress fractures and rooms sinking in with doors sticking making them nearly impossible to open. 35 years of vacancy at that house led to house walls being filled with mice... they chewed on the electrical wires and chewed holes in every wall and next to outlet covers and they chewed the entiee inner door frame from tbe walkup attic giving them easy access to walls throughout the house.

We build 120+ houses a year in Cape Coral and Lehigh Acres.