20 yr fixed rate mortgage 12 percent.

However the networking and relationships I created will last for a lifetime, Also keep in mind that many other investors started in college and are incredibly successful. 

I used the numbers you provided. for loan points I used 3 because there was no dollar option and 1 point is usually 1 percent.

However if you are able to rent all your units out before getting the refi, then you can add 75% of gross rents to your monthly income and it may open up more room for your loan.The actual percent doesn't really matter, you can pay points to get it lower. 

•Keep the debt on your CC no more than 40 percent of your CC Limit •Raise your limit to 3k to show you are a moderate risk to lend to. 5k shows you are very low risk.• "This idea might make you cringe but apply for a second credit card .

Thats $25k based on 1 percent.

My rents are 10 percent above what Zillow says they should be and 8% above the Rentometer average.  

Hi all, NARPM released September rent survey.While the trend continues for the majority of single-family property tenants to remaincurrent with their rent payments, a majority of property managers surveyed said that those not paying werelikely due to unemployment, according to a nationwide survey released today by the National Association ofResidential Property Managers.Just over 77 percent of property managers who responded reported that 91 to 100 percent of their tenants hadpaid their September rent in full and on time, and another 12.5 percent said that 81 to 90 percent of tenantshad paid in full and on time.Here is the link for the full press-release: https://www.narpm.org/docs/COV...Cheers, Yuriy 

. - oversee housekeeping, pest control, and a variety of other things.A good property manager isn't charging 40 percent of your rents. 

Lots of great books available, this podcast is AWESOME, and more information then you could consume in a lifetime so a little torn on whether to spend the money on the classes or not (they are relatively expensive but come with full step by step mentoring).I am a hands on learner so wanted to get everyone's thoughts on question above.