And it just gets better and better over time....3. 

If you're looking for something better than the market gives, you'll keep wasting time looking for a unicorn. 

(Find a 5br, numbers look even better.)Save, save, save what tenants pay, and then repeat in a few years. 

Beacuse of the great aflux of the capital related to the Fort Liverty I am positive that this market will continue to grow and appreciate and I am positive that sooner you start investing in local market better you can do in the long term. 

Check out directmail.com for better rates.

But, have an exit strategy to pay it back/off quickly.Its still risky, but I think better than using it as part of your money down....

Would I be better off waiting until the 6 month mark or later to do the refi?

My in laws lost their entire retirement savings because their underwriting was too aggressive and they bought several properties most of which ended up with negative cash flow.I am not against refinancing or using a HELOC to buy a property, but The market right now is a property will give you close to zero cash flow (80% down) then you’ll need to come up with another $750 a month to pay down the HELOC and come up with probably another 5-10k in reserves in case the furnace breaks or tenants trash your house or…   Without knowing your financially situation, You are probably better off getting a second job for a year or two to save up for a downpayment then using a Heloc.

Is it better to create a new EIN or is it better to create a TIN or just use my personal SSN?

Better safe than sorry.