He also has reduced the time I spend looking for houses by about 80%. without refucing our effectiveness or effeciency significantly. 

The right kind of development will have a positive effect on values.  

It's also the low hanging fruit in terms of answers.Even if the OP found a HML that would advance on a future value so as to limit her down payment, the interest demand will likely put her underwater.  

Overall this type of situation would make me nervous and I would not be excited about this rental group.Then again I don't know your market and that always effects things a lot, but in my situation I would rather wait until I found a renter I had less doubts about.

For investors who are employed full time in addition to investing: When New Yorkers, Californians, Bostonians, (insert other expensive metros here) do deals in low cost markets, we get a tremendous feedback effect from high dollar amount we are easily able to put into the low cost market.

Paying fees to refinance just so you can turn around and sell the house will hardly ever be cost effective.

As it effected my eye sight in a terrible way. not only the right eye , but also left eye was very light sensitive.

Hey all,     My property manager informed me that she's resigning - effective November 1st.  

"Effective July 21, 2011, the Real Estate Settlement Procedures Act (RESPA) will be administered and enforced by the Consumer Financial Protection Bureau (CFPB)"

Their is definitely going to be a ripple effect and many more than the 5K are going to be displaced at some point.