Best bet is to call a hvac guy if you want correct numbers  

From what I've heard on podcasts, if you are looking to go the refinance route your best bet is going to be a local portfolio lender. 

(it is 2:30AM and i stared at it for a sec too)So best bet would just do a house hack if you can on a cheap duplex and pay 3.5% down.

I bet he will really appreciate your making this post.

Besides the MREA and all of Gary’s books, Rich Dad Poor Dad is great for mindset.

@Anthony MaiI will bet my personal reputation, coupled with the wristwatch of your choosing, that this is a legit 3 unit.

(MSA is metropolitan statistical area - what the census bureau considers the economic unit of the area).The state doesn't matter, because some states have poor growth overall, but MSAs within the state are healthy.  

That often means the current cash flow is poor due to various reasons:Loss to LeaseVacancyPoor managementOver-spending on renovationNot charging fees to residentsetc...As long as the upside is there and the story is good - we are interested. 

I just started reading "The book on rental property investing"  2nd up is a book named "Rich Dad Poor Dad" .

It's feeling a lot like 2007, be careful not to put your self in a poor equity or cash flow position to avoid strategic foreclosure.