Don't beat yourself up so much, you did fine ... you won't go bankrupt on this deal and you won't likely hit a home run on it either ... you'll learn a ton and apply that knowledge to do even better on your next one.

Just recently I got hit with a 5% interest rate. 

I have a separate tax savings account and deposit money into it as soon as the check hits my account.

But, regardless of whether you are an owner occupant or an investor, if you're not helping the asset manager get close to the numbers he or she needs to hit, it's tough to have a property offer accepted.

Thank hit,  will do

Feel free to hit me up on e-mail or this forum anytime. 

I need help deciding where would be the best place to invest in Northern California, southern Oregon or central Nevada.

I know I need to check the rent roll and all other due diligence, I just want to make sure that I don't get to the closing table and get hit with a bunch of surprises on the title.

I hit post too soon by accident.

I've had an appraisal recently and have hit 80% LTV and since rates are still low I've been thinking about refinancing into a conventional mortgage to drop my PMI.