Hi JoshI just submitted all requested information on all 84 private/hard money lenders that are members of the American Association of Private Lenders.

It's another option you have, you would just have to shop around for those kind of deals. and after 2yrs of reporting that rental income on your taxes, would/should also lower your DTI.

Tips I've gathered so far are a combination of the following: challenge property taxes, shop for cheaper insurance premium, refi loan(s).

I've gone online to shop for quotes the last couple of days and I've spoken to a handful of mortgage lenders and one of them (Quicken Loans) called me back to tell me that I don't qualify for a refi because investors are not allowed to combine two mortgages into one.

Bruce,Good news...I would recommend doing a lease with the option to buy on the home for up to three years, you will get more money for rent and because the tenant/buyer in their mind is buying the home at the end of the term they will take better care of the home and you can ask them to take care of all of the maintenance and repairs which will take you out of the landlord role.Also a home warranty can be purchased form American Home Shield monthly and it can be added to the tenant/buyers payment and they pay the deductible so if the A/C goes out it is covered as well as many other major and minor items in the home.Call me any time.Marv Rousselow

The house was appraised for $115K and the re-fi amount was $114K.So, talk to your lender, or shop around.Angie

Visit aaplonline.com for directory of private lenders who are members of American Association of Private Lenders

Now the fun part, shopping it to my buyers!

Even being residential, that's not bad, but you can shop it if you like!

Ive done garage and shop floors with it and they even stood up to studded tires.