I think it’s important to be fully transparent about my current financial situation in order to get the most accurate feedback, so I’ll be throwing some numbers out to you all for reference.A little background on myself: I am 27 years old, live in Columbus, OH, married w/o kids, work a full-time job and make roughly $85k per year ($150k total household).

Many banks have either individually-owned or household-owned limits.

Median household income in that particular subsection is just over $19k which is REALLY LOW! 

Thank you so much everyone for the tips, and Rose White My background is generally the same coming from a low to mid level income household, right now i am working at a flooring company in sales, and I could not attend college due to lack of money.

My wife and I have thought about it for years, but my income currently supports the entire household.

My biggest concern with refinancing is my credit 640 and the fact that I am now a one income household and had a career change that makes me significantly less money than what I was making when we purchased the duplex ($64,000 per year vs $27,000 although once the rental is factored in it’s around $70,000).

The ratio of all residents to sex offenders in zip code 43609 is 253 to 1.Median resident age:This zip code:32.0 yearsOhio median age:39.3 yearsAverage household size:This zip code:2.5 peopleOhio:2.4 people Median household income below state average.

I use talstar, it works on most household insects.

Household formation may be a function of births, but then I'd rather just look at the new household data.

Revenge is for suckers, its not worth the aggravation. 15 years ago I had 15 rental properties and life was going well, we were making a small amount of money and then the "Cash for Keys" program kicked in and my "partners" who were doctors decided to sit on their hands and not fund the business in the shortfalls, the wife was only selling 2-3 million a year and I was making enough to cover our own household.