referral=UZXgWmHappy to help review settings or share unused property assessment credits if needed!

I consulted with a real estate lawyer a few times this year who said it's very hard to sue for negligence and they advised against taking legal action, especially since the property manager at least followed through on the eviction and repairs.I've now asked the property management company to apply a $4k credit for all the challenges I've had working with them.

Ask for a discount for prepaying for an in house credit?

In the meantime, focus on building your credit, saving for a down payment, and soaking up as much knowledge as you can.

With your good credit you can get in to a home for just a few % down.

Amortize your major repairs (roof, hvac, built in appliances) and add an estimate for small maintenance.This feels not terrible to me.

There's a decent chance that if you have good credit and improve your DTI over the next year, you can put a Heloc on the property while it's still your primary to unlock some of that equity if needed.

Since they're low income/tax credit, they just don't make the kind of money needed to pay those huge premiums.

Interesting approach, how would multiple refi affect my credit score?

You do need to have steady employment, decent credit, and not be drowning in debt.