Example 2:On my most recent rehab- I made the seller two offers: one at 21k and the other purchase at 25k if he was willing to hold mortgage and wait 6-9 months to get paid.

are both of you on the mortgage?

I've looked at a couple places in Richmond that are in my current price range (with what I can get a mortgage on), but they are in not great areas and need more work than I could do myself.

Any advice or if anyone knows of a mortgage lender or private lender that would lend to someone under my circumstances id be glad to discuss, thanks.

So i'm building a report and i'm using a preset sheet for excel now it's asking about the First Mortgage and Second Mortgage Lein , points , interest so how would i normally find out those number and the percents ?

Closing with the VA loan is awesome because you have zero down no mortgage insurance which is a great start.

What are the disadvantages of refinancing other than higher mortgage and refinancing fees?

I am currently looking for 5th mortgage and have found only one lender.  

Equity and cash flow but most importantly tentants pay mortgage while I take my hardworking tech money and put it towards my spouse and I future is my top goal. 

We have used a combination of niches: fix and flip, fix while occupying, quick turn wholesale deals, sold on lease option, carried back second mortgages for cash flow, bought with owner financing, bought from MLS, used direct mail, door knocked pre-foreclosures, went to courthouse steps to see if the auctions were for us.Now we are working to...um...