To be honest my short term goal is to combine my first and second mortgage and have that as low as possible .   

In my time as a new home sales manager for a multi billion dollar home builder and resale agent with combined closings on over 600 homes I learned even crazy people need to sell.

Hello BP peopleI find myself at on the fence, I have a owner occupied triplex in Venice CA I have owned this since 1995 the property has appreciated a lot looking at about a sale of 2.2 million My problem is that I can't get a REFI based on my debt to loan, it's 80% even though my income on the property supports the new loan the bank is looking at my personal income only, I have tried for 3 years to try and get my first and second combined $720k I also have a large CC debt on the side.

Hello BP peopleI find myself on the fence, I have a owner occupied triplex in Venice CA I have owned this since 1995 the property has appreciated a lot looking at about a sale of 2.2 million My problem is that I can't get a REFI based on my debt to loan, it's 80% even though my income on the property supports the new loan the bank is looking at my personal income only, I have tried for 3 years to try and get my first and second combined $720k I also have a large CC debt on the side.

Hello BP peopleI find myself on the fence, I have a owner occupied triplex in Venice CA I have owned this since 1995 the property has appreciated a lot looking at about a sale of 2.2 million My problem is that I can't get a REFI based on my debt to loan, it's 80% even though my income on the property supports the new loan the bank is looking at my personal income only, I have tried for 3 years to try and get my first and second combined $720k I also have a large CC debt on the side.

Thats why the ARV is a lot lower, I am normally more in the $70K range.Also there is an HOA there making it somewhat unique. 

The goal statements themselves are quite detailed but I will spare you the details and just give you the high level summary: Our 5 year goal is to have a combined Real Estate net worth of $1.5M+ through B&H multi-family residential and commercial investments.

If you combine your income with your mother's income would that make obtaining a duplex or triplex or a quad more doable?

Both of these properties were done with a combination of private money and commercial notes, not hard money.  

It's a unique blend of truth, reality and practicality, as well as encouragement, challenge and passion...definitely a love "of the game" and a distinct passion is evident in both your style of writing and the simplistic presentation and flow of the comprehensive content.So far, it's just been...WOW!