first of all, this is my first post, i am from argentina, after looking many ways to where to invest my money, i think the only one that i felt confident was purchasing a property in USAi purchased 2 apartments in Miami 2 years ago (115k usd total in that time), in the bottom of prices i think, now they worth 20% more, plus the rent (with a few extra costs, fixes and had to fire a tenant due non payment and pay sheriff stuffs).the process that we do for non united states residents is form a LLC and purchase the properties as a LLC, we paid some extras at the end of year for renew it but its ok.the overall experience was good.but after reading and reading and reading, i became to this great forum, and figured out that could have been even better.i could had purchase a multifamily property, a big one of 400k usd and do a 25% downtime payment with that 100k that i invested. but i think that i couldn't did that because i don't have credit score or history as foreigner.  

His credit score is pretty low (520 or so) and it looks like its because he doesn't have any credit history (no loans, credit cards, etc).   

If anyone also knows of anyone that's actively doing flips or rehabs in that area that would also be incredibly helpful as well.Thank you in advance for your time and consideration.

I have a credit score of 780The lender didn't give me an exact rate quote but said that they were closing stuff around 5 1/8% and 5 3/4%.

The loan pays itself and reflects positive on your credit score...the only minor cost is interest.But I think I would pay the loan off.

It's great that you are thinking about this move now while you still have options.Regarding timing of your refi, it really depends on what your spouse is bringing to the table in terms of income, credit score, etc.  

A borrower with a nice credit score, a good down payment, a property in good condition, and all the other bells and whistles to boot.

Sam & Heather Jones You can get away with 15% down on an investment property depending on your income and credit score. 

I'm located northeast of you, and your investing strategy seems incredibly sound.

Finally while some of the advice has been excellent, some of it is so incredibly bad that it scares me.