Your info, though, is extremely insightful!

I extremely motivated about real estate investing and believe it's just matter of time to crack code to take the next step and do my first deal.

This would be extremely easy to replace in another industry if suddenly the government experienced massive job cuts.

Not trying to discourage you either it's an extremely competitive market right now.

You can still flip but buy, rent, holds are extremely hard to come by.

All and all this is extremely doable.I hope this helps and have a great day.

I called several lenders and one was 75% LTV, one was extremely slow so I pulled the application, and another was 80% (who I went with).The refinanced property had everything practically new (wiring, plumbing, kitchens, bathrooms, decks, etc.) with few items less than 5 years old (roof, siding, furnaces/AC), but the windows were 10 years old. 

I recently attended my first local RE meet up this last week and it was extremely helpful.

@Carlos Sanchez, just a couple of points based on your post:3 months is an extremely aggressive timeline, especially if you have squatters.  

(By the way I would love to see what other NJ landlords have to say about this, my experience is the courts are extremely unhelpful to landlords without attorneys.