The tenant told the property management company she wanted a week’s rent credit ($280, too high for #of days).

Credit, background check, interview and do as much screening as possible within the law / reason.

What I really like about this neighborhood is properties are cheaper but it’s still close enough to western you can pull the same quality/millennial tenants as properties just east of western that cost nearly twice as much. 2br 1ba 1st floor unit: $1300 – Keep as-is2br 1ba 2nd floor unit: $1550 (Will try $1600 first but to be conservative) – Keep as-is3br 2ba duplex unit: $2200 conservative depending how luxurious comps go up to $2500ish – RehabParking: $75x2 = $150 Total rents: $5200Purchase price: $530,000 with a $7500 closing credit + $20-25k for spiral stair case install and remodeling of attic = $542,500 at $5200 = .95% + added equity being a legal 3 with 3br 2ba now.

That helped us get through the rough part of the renovation.Community banks and credit unions may do this, though the loan balance is quite low. 

(Freddie Mac takes aim at FHA with widespread expansion of 3% down mortgages - New HomeOne mortgage has no geographic or income restrictions April 26, 2018) If they have good credit and their income otherwise 'makes sense' relative to income level, and the new job is full time and not 'provisional' or anything like that, this is probably going to be the best route forward. 

A local credit union was more than happy to refinance but no cash out.

I have really good credit around 780 but don’t have a lot of cash saved up.

I think one of the first and most important thing for me is to have my credit repaired,, living under $30k per year, and crushed my medical desasters has really wrecked what should be the most basic articles of prosperity. 

John Leavelle the type of loan is a line of credit off one of my other properties which we turned into a mortgage and has a balloon payment in 15 years but are banker said can drag out for another 5 if need to or longer.

National credit tenants or independent tenants?