Unfortunately, the bank sees my paystubs through this other company that's a temp agency and U/W throws a fit about it and denies the loan after Ive been working my tail off the last month to get them what they need, including a signed letter from my boss at Samsung stating that it is extremely likely my employment will continue for as long as I should choose.My payments currently are 931.85 and under the new loan would be 1189.xx, I receive rental income that covers that amount every month for 2 of the bedrooms, however we decided not to use that income because they could have looked at it as an investment and the terms wouldn't have been as sweet.

@David Faulkner  agree with David... chance of you doing anything in real estate listening to wholesaler guru's is less than 2%.getting a RE license working part time of for a top producer actually learning the industry as you earn some money is more productive over the long run.. and U never know when you could be a rock star agent or commerical agent..  

I would join a local real estate investing group to network as much as possible in an area u plan to invest in.  

U are welcome https://www.biggerpockets.com/forums/52/topics/680...

U am not familiar with commercial dev, but your situation seems like some outlined over at strongtowns.org.

How would u feel?

Hi Guys Thank you so much with your support and great information, u are a great team, group and friends  indeed. 

I'm in uk...If u could help and I could help u in any way 

The U-City houses are big and the victorian's do cost some money to maintain....

@Jeremy Chaudet hi jeremy, since u invest in manyunk, can u elaborate on the numbers price of property versus monthly rent?