Any feedback on how you started out with low funds is appreciated. 

Hey everyone,      I have seen and heard people talk about 5-10% down conventional loans but I am having a hard time finding one in my research. Where are people finding them, if they are. And are there requirements t...

Here are the options:1) replace with new furnace/AC for $5500 with good warranty.2) replace through-wall unit with AC/heat for about $700. 

My advice would be to NEVER go without liability coverage.Also, typically speaking, the cost to add premises liability coverage is usually pretty low.

Winter kills me on gas, heat.

Here are the options:1) replace with new furnace/AC for $5500 with good warranty.2) replace through-wall unit with AC/heat for about $700. 

You will need to keep your payments as low as possible for that reason even though you will be losing income on that equity.

With retirement sthill in mind I figure if I can save up 2k a month I can generate enough saving twice a year for down payment on a rental property, create passive income there and once I have built a ness egg for myself then start my TSP back up but at this point I will have residual coming in and my debt to income ratio will be low.

Brrrr is tough since everyone does it, plus construction and contractors are booking right now.The lower budget stuff gets gobbled up by people that have no idea what they're doing or sellers won't take low-ball offers.

100 seems low for per month unless it has a very low assessment.