Is the issue your DTI or is the issue that it is a second FHA purchase within 100 miles of your current primary? 

I talked to 6 people this week who went out of state for more cash flow and are dealing with negative cash flow now (properties looked good on paper but maintenance, repairs, capex, tenant and PM issues have caused significant losses for them in reality).

Given the attic issue and throwing in the water issue (which will continue to be a problem) I'd just scrape and start over and do it right this time.

@Gabe Bouldien@Chris Seveney and @Doug Smith are mostly on target, but there may be a small window of opportunity.Any contributions you make to a current employer plan will be locked into that plan.You may, however, be eligible for an "in-service" distribution based on the language in your plan document.  

Tenants save money when using a shared meter, so there's plenty of room for error when calculating how to distribute the charges.

Has anyone else solved this issue by using some sort of insulation you can put between the joists in the ceiling to minimize the footstep/moving around noises you inevitably hear daily? 

Oak island had beach erosion issues which I didn’t want to deal with every year.

The issue is she is very difficult.

Whenever I am having an issue with financing, I normally reach out to local institutions.

@Joe SplitrockYou had issues with hiring from Craigslist?