Talk to several local/regional banks/credit unions.

If you knock $$ off the rent, many tenants will start to find other stuff to try and get "credit" on the rent and it will escalate.....

6% is a little high....but without anyone knowing your debt to income ratio, your credit score, whether it is a multi or single, what your ltv on the loan is, its impossible to say. 25% down with a low dti and high credit score is going to be about 5.5% right now. 

But not only that, if you don't meet those income and credit requirements, they still won't refi you out.  

LLC's filing can't be found on the Texas website. https://webservices.sos.state.tx.us/filing-status/...Will track it down on the quiet title action.

This family had a great credit score - I believe the highest we have ever had  Horror #5: bi-polar neat freak.  

Do you know what your credit score is?

Usually if the tenant doesn't pay utilities they can't get a new account in the same area and it goes on their credit report preventing them from getting service elsewhere. 

I also put my credit worthiness at risk here. 4.

We recently were introduced to a 100% Mortgage Package with a Credit Union.