Good to know the company actually exists!

There are even articles that claim about existing reasons to invest in RE market now.

Looking for a lender that specializes in VA loans that can get me into a multi-family deal, preferably using existing tenant rent as income. 

My loan broker is still thinking we can get it done in 60 days or so, not sure it’s going to be that quick.In my case, I’m just evaluating the benefit of refinancing now, vs the costs and prepayment on existing debt. 

To make matters worse, we also had to lower rents to keep existing tenants and attract new ones.

Quick answer to that question that I've been debating, do a cash-out refi of the existing property, especially since we have equity and should easily be able to get $100-150k out and rates are at a historical low point.

Contribute, take advantage of the tax savings and potential employer match, and build yourself some tax-sheltered savings.If you have existing retirement funds outside of your existing employer 401(k), those could be rolled over into a self-directed IRA.  

Any balances due, tenants with late payments still dueIdentify any existing evictions in progressCertificate of Occupancy from the City of LA9a Property Report Natural Hazards Disclosure Statement Copies of all current insurance policies and insurance company contact infoLoss run from the insurance carrier (my insurance broker requires this from seller)Copies of ad valorem tax statements covering the Property for the last twelve (12) months, if anyCopies of electric bills for last 12 monthsCopies of gas bills for last 12 monthsCopies of water and sewer bill for the last 12 monthsCopies of trash bills for the last 12 monthsCopies of any vendor service contracts (common ones include landscaping, interior cleaning, laundry, fire alarm monitoring, and pest control) Copies of any environmental studies affecting the property, if any.A list of anything that will not convey with property (common items include laundry machines and appliances owned by seller)Copy of current management agreementCopies of all existing surveys of the Property, if any.Copies of all warranties for appliances, equipment, utilities, roof, paving, pool, etc., if any.Copies of the last three years’ profit and loss statementsList of all capital expenditures in the last 3 yearsDate of systems updates, if known (plumbing, electric, roof, HVAC) Preliminary Title ReportCopies of the most recent title insurance policies, if any.

Notice VRBO seems to be all but non existent these days. 

Our mortgage clearly states that we must occupy within 60 days for one year unless the lender decides that undue hardship or extenuating circumstances beyond the borrower's control exist.