I don't know why you're having a difficult time finding a bank to do a refinance for your investments.This is a very common and typical practice so I would suggest calling a few more banks or credit unions.

I stand out in a crowd really well, or you can just yell out my name when you get there!

Then some of your cash is in your pocket and you will start to establish your credit in real estate investing? 

All single family.Now the tenants usually have less then 700 credit.

I think that in order to feel confident about investing I need to spend about 4 months paying off debts (credit cards, cars) before I can reasonably allocate money to investing.

My Rental is only 3 bdr, so if my family moves in there it will be a bit tight...But I will have no mortgage on it4) Buy cheap houses in the middle of nowhere that cash flow 300-400 per month...Anyway, I am lost and cant figure out what to do.What I know for sure is I am not sure how long can I handle my job, I cant stand it.

I've been working during that time with almost perfect credit scores so getting loans to purchase rental properties was a breeze. 

They are a rental guarantee insurance company that helps tenants with less than stellar credit or people that just moved to the US without prior credit history.

If that falls through credit score is very good and I am in the process of trying to find banks that will finance.

What we do though is give you partial credit for the proposed rent on the property that can help you qualify.