I do have student loans from graduate school only, about 150K, that are 0% right now because they are federal loans.

I can have a 0% down loan from Navy Federal without PMI with APR of around 7.1%.

Navy federal quoted me on 70%LTV , yuck, So this week we are doing the next thing which is exactly what I wrote.

As a military family, we have used Navy Federal several times for a variety of products.

I work for myself, and for that reason and also as a landlord in addition to federal tax returns I am required to file a P&L statement. 

.) $ 175.00 Gas $ 175.00 Home Supplies $ 150.00 Fast Food $ 112.00 Restaurants & Bars $ 100.00 Amusement/Entertainment $ 50.00 Car Maintainance/Carwash $ 50.00  You forgot to add Taxes and inflation.Property taxes.Sales taxes on pretty much all of your income.Vehicle depreciation.New Vehicle payments cash savings when old vehicle is dead on the road--or walk...10% loss in income buying power due to inflation (or whatever number the govt decides to force upon people).Eyeglasses if anyone in your family needs them.Haircuts if anyone in your family needs them.Wife's makeup and pantyhose, shoes and etc...expenses.Yearly amount spent on clothing for the entire family.Vehicle oil changes and maintenance.Amount of Federal, state and local tax due at the filing date.Allowances for kids.Misc. emergency money set aide in savings for unexpected things, deductible on car insurance after a fender bender, OTC Flu medications for the family, Fridge breaks down, Furnace quits in February, etc...Gifts for family and friends.

Both loans are with a small federal credit union that we’ve been doing business with for 30 years. 

The attorney can also then assist you with creating the following compliant with all federal, state and local laws:1) Rental Application2) Lease & Pet Addendum3) Renewal documents4) Nonpayment Warning Letters5) Eviction Letters & Notices6) Legal Entry Notices7) Security Deposit & Release of Liability Letters8) Vendor Contracts with insurance and other requirements9) MoveIn & MoveOut Procedures to Share with Tenants10) Etc.Hope this helps!

Find out if negotiation is possible - some lenders are more flexible to negotiating whilst others are too rigid (think national banks).Make 1/3 of your lender list federal credit unions.

I am looking for a CPA with real estate experience to handle my U.S. federal income tax filings.