If it's not cash flowing hopefully it's in a very high appreciating area... which can be hit or miss with MF AND that nothing unexpected happens that eats into your bottom line even more.

Opened up living room to eat in kitchen.

You can’t have your cake and eat it too, unless you have no ethics.

You screwed up and will just have to eat it now...... work on your expenses and that's all you can do.

Eating at McDonalds is very common, and having a 800+ credit score is the opposite.Accountants specializing in real estate, and there're 20+ of us here on this forum, generally endorse self-directed retirement accounts and investing them in real estate.

I didn't consider old house maintenance eats up the CF. 

You would have to have an income that can support the loans, rents that will help eat up some of the debt, or a great relationship with a lender. 

I have been spending $100+ a day eating out. 

Lack of control or conscious. 

Should you discover this offer is competitive, you can always circle back at that time, but be conscious of any rate locks or potential adjustments that may occur if you delay on moving forward while shopping other lenders.