Read some other comments - I guess it is technically a cash out refi, but you're paying off a line of credit as opposed to putting the cash in your pocket which is what I typically think of when there is a 'cash out refi'.

He's still trying to get you to put $300 on your credit card then they'll promise the kingdom of heaven.Ask them for the addresses of their last deals. 

Small, local banks and credit unions always have connection issues no matter the software.

In the meantime, focus on building your credit, saving for a down payment, and soaking up as much knowledge as you can.

@Allison ParkTwo pro tips to share.1.

You can also send payments to credit card whenever you have spare money.

Here are some practical tips and insights based on my experience managing a real estate fund and working in this field.First, setting realistic expectations.

What's the lowest credit score you will allow?

Is the credit over 780 for both #2 applicants, or is that an average?

I've reached out to the gentleman that owns the large PM group in the area to see if he knows of any smaller PM that I can connect with and I also messaged my credit union to find out what my best options would be.