Stay positive guys!

They will likely want to see him move into and take title to the house in order to make that work.If you are only looking at multi units the best path I see/ know of based on your current position is a 15% down payment on a Fannie Mae conventional loan which will max out at 2 units.

How should I be positioning myself financially before I start inquiring about the refi? 

Because you will have to get some good rent at that price to have positive cash flow.

My amazing girlfriend has been lucky enough to take an associate pastor position at a church in Richardson, TX.

For training in first position notes I learned through @Scott Carson - he and Eddie speed are the two largest I am familiar with.

My question to the community is this : From this position, what should we have said in response to her question?

If you have positive cash flow on the property (and that's how it shows on your taxes too) Then you can use the cash flow as additional income to qualify for another loan.

It seems to have a positive feedback on this thread.

I'm in a similar position as you in terms of looking at different brokerages and what they have to offer.