The reason I want to refi is to pay off my car loan my 2nd mortgage and 13k worth personal loan.

Low leverage = sleeping easy at night and not freaking out when the world dumps a financial or biological pandemic on you.My personal residence is 100% paid off, we have no credit cards, no car loans, no student loans, etc and are "personally" debt free. 

Tenants under section 8 are more likely to turn out this way despite screening well.also: Imagine administering your rental through the DMV and having your tenant get in a crash while driving your car without insurance - yeah, its like that.Thanks for your reply~ What do you mean by "owner certification"? 

Hi allI am also thinking of refinancing my car and i have never done this before.So please help me out.

What I have in mind is two car garage with driveway and a little front landscaping.

What I mean here is that many people deduct their automobile expense in Line 9 – Car and Truck Expenses…..and you might be correct that itemizing your automobile deductions might allow you to get a HIGHER deduction when using this line….but your lender cannot add it back to your income!

Account Closed it those builders could , they would sell us same house, same spouse, kids, same dogs , same cars .

With this huge herd of beginners out there being talked into this stuff you know there is going to be heartache along the way.. they have even moved into selling their cars sub too.. what ta disaster that is..

However to our advantage we have no credit card debt, student loans, or car loans.

I do not own a car right now, so it is sometimes a problem to get out and about to look at open houses and other opportunities, especially if they are out of the city.