As long as my cash flow from my house isnt effected by it then I'm good.

-how will my DTI and credit score effect the refinance?

@Ozzy Sirimsi  @Tim Youse @Joseph Abad Appreciate the tip about # of tenants in Towson, looking at the zoning laws : "After the effective date of Bill No. 124-93, a new boarding- or rooming house is not permitted next to an existing boarding- or rooming house unless permitted after a public hearing pursuant to Section 408.B."

If you had maintained this strategy for the last 3 years (2015: 1.4%, 2016: 1.1%) your tenant would have seen nominal increases in his rent all tied to a fixed formula and you would now be poised to increase his rent from roughly $2410 to $2475.

My issue is I have made the mistake of financing everything out of pocket in the form of savings and two separate personal loans that have had the detrimental effect of both raising my dti and lowering my credit score by approximately 30+ points (was 700+).

I am wondering if I should continue doing this method or should I try something that is more effective? 

Much more cost-effective and much better conversion rates. 

The houses weren't maintained by the owner that well.

As long as it can be done somewhat cost effectively.

It has an interesting effect on the brain over time.