I have read the BRRR book by David Greene and follow the forums, and listen to the podcasts.

Besides, there are no cap rates on residential real estate- you refi based on comps, not NOI. 

@J Scott Great podcasts my man!

Another option if this is strictly for investment purposes, you could try to go DSCR. we have one lender that will allow for 1-4 units (inv. prop solely) who will go as low as 620 fico, but your LTV may be limited to, say, 70%. qualifying would be based on the rents received, not off your $100k income. there are options out there, keep working at it and get a 2nd opinion even on a full-doc loan. hope this was helpful to some degree!

I'd love to touch base off line perhaps meet for coffee out in Jtree 

The more I listen to Bigger Pockets YouTube podcasts I feel I don't really need a them and can do this myself....going to get started, like Rob said document your journey and here I go.... 

Hi Vishal, I'm based on Los Angeles and know some MTR/STR owners in Riverside county.

The property is based in Milwaukee, WI.

He's based out of Boiling Springs, but lives in Greenville.https://www.benmasoninsurance.com/

They will make him wish he had never been born :-)https://www.wikihow.com/Report-Employers-Who-Hire-Illegal-Im...Also, based on a recent thread regarding how pretty much anyone with a pulse and eyeballs can be a contractor in PA, I would bet there is no agency to report said contractor to with any teeth to suspend their said toilet paper license.