The biggest concern that I have is that we can't ask anything from applicants with a dog or miniature horse as their service animal, even if the dog is one of the vicious breeds not covered under insurance.

It's one of the biggest leads towards financial freedom. 

Here in Northern New Jersey, single family inventory is down over 25% from last year and there wasn't exactly a plethora of homes on the market then. This is also happening nationally (http://www.cnbc.com/2017/01/24/w...

Bring it below 3% utilization (you will see the biggest score jump), you can ask for a credit increase.

I have a 8 month old son who is my biggest motivation for wanting to invest. 

One downside to consider, is that your mortgage payment (principal and interest ) will be higher because you don't have to put any money down. 

BP,This is an open question to all realtors, REIs, wholesalers, rehabbers, and every other entrepreneur that is somewhat involved in RE.I wanted to put this in off-topic because I want this to be an open discussion on listing some of the biggest problems we face throughout our day to day.The reason I ask is because myself and two partners are just finishing up with a proof of concept directed at realtors and after meeting with a few really got us thinking about some of the other issues we could possibly address.

In SA we find most SFR bring an average of 20%+ CCR (cash on cash return) so figure out what return you're targeting.The biggest thing you can do is attending local REIAs and see what other people are doing.

What are the downsides to refinancing?

I'm only child very small family so this is like the biggest life project to date.