As long your debt to income ratio isn't preventing you from borrowing more money, buy a rental and use the extra money you earn from that to pay down the highest rate mortgage first. 

I'm looking into a loan from the SBA to complete repairs sustained on a rental house during Hurricane Beryl.

I feel that pain and we're not even looking at houses. 

Stop the blaming game and the scarcity mindset, there are plenty of deals to go around. good all around post.. only thing I slightly disagree with is having your agent look at every deal your looking at.. that would have the agent bogged down with busy work.. the investor should know what a deal is by just the big numbers.. they dont need to run calculators on simple rentals use 50% of gross income for expenses to start.. if you do better fine .. but if it does not cut it 50% or a little lower then its no go .. and on to the next.. 

It is illegal to deny a tenant based on source of income, so if they have a CHA voucher they can live anywhere. 

I figure I'll get mayhe 250k from the refi based on 5plex noi and comparables.I'd like to take a loan for the other 350k for example to meet the 10% down payment on a low income building hud loan.Is there an easier way to get into A higher unit commercial building?

Saying we don't know their income is just deflecting. 

Use your VA benefit for the best house hack you can find.

I went to my local courthouse to see how to purchase houses in the bidding format and saw several big fish there.

.- 10% Pop Growth over the past 10 Years- 10% Job Growth over the past 10 Years- Low Crime- High Appreciation- Manageable Entry Prices- At least 30% Renter PopulationHere's an example of all those rules of thumb with a crime map of Austin, TX.