Stockton is a landlord's market and this too should have made us call it right there...Figure 2: My tenant was a "lady" but you get the idea...Loosing a Tenant, Gaining a Dog...Fast forward about 4 months during which everything was "difficult".

I spoke with Navy Federal Credit Union and they said there is no seasoning period for refinancing (although the young lady didn't seem to be all that knowledgable).

The stern ladies at the recording office never show me any love and make me do everything according to the book so I doubt I'm getting special treatment.

For example a lady we recently met with agreed with us that the ARV of her property was $150k, and the repairs were $20k-$25k, so she wanted $125k for the property...

I had a lady who made 85k a year in income and her husband brought in an additional 20k.

Originally posted by @Iverem Rose:@Emirys BritoWelcome!

The owner being an older lady and not having enough money to cover these extra payments has decided to go this route.

Sure enough it was a nice lady that's been landlording for 35 years and will be at the property shortly.  

Around here, the market bottomed out in 2008-2009, and gradually rose.

Trap.THEN this heifer gone have the NERVE to say when I told her I only buy in Ensley that Ensley is a really bad area...........LADY ARE YOU BLIND?!