I have $25k in credit card debt on (3) cards at 0% that I can pay off if need be but from what the underwriter explained, the reduction in monthly payment would not be enough to get me under the 40% debt/income guideline for TD.

Getting a green card is hard, especially now.

Also, that second appraisal is the wild card in the BRRRR process (here's an article to help you navigate it https://www.biggerpockets.com/blog/real-estate-refinancing-success-brrrr-investors).

Business cards, flyers, postcards, bandit signs, any direct-mail campaign, these are some of the small expenses necessary to keep any real estate investor's business actually work.

Good that they didn't play the card of adverse possession.

For example, that the owner of the LLC didn't take out a credit card in the LLC's name or borrow money in the LLC's name?

My hope is that the property will continue to gain value because of the multiple bedrooms, small fenced yard and parking, as well as proximity to public transportation in an area filling in with high rises.So my big question mark is whether to proceed, given that this house is directly across the street from a low-income housing development.

We are also going to be stretched thin.Our decision is to be stretched thing in our "cashless and save retirement/credit cards for emergencies.

But again, use tech, and be diligent to record the stuff as it happens not just throw into a pile and shove it to the CPA once a year.Lately I really love "wave" app, that sucks it all from all the banks and credit cards and I set aside myself 1 hr a week to categorize all new transactions that are pulled in.

If I remember correctly it was something like 43% of your income could go to your monthly loan (less all cards, mortgages, other monthly expenses), a family member had to use debit cards for 4 months instead of credit and pay off the car, to increase the loan capacity.