There is nothing stopping you from picking up a extra job and working more to pay off your CC debt.

I can now use the extra refi funds to go buy a second 100K property.

I won’t let anyone in for less than 3% down, even if it takes a little extra time.

Unless of course the property doesn't cash flow without that extra charge every month.

If you try to evict for having an extra person, the tenant will usually claim that they are just visiting.

Later on when the LLC is successful, he/she can put in the extra money for the additional 5% if needed.

It occurs to me that in the BUSINESS BRIEF ( http://www.ada.gov/svcanimb.htm ) "People with disabilities who use service animals cannot be charged extra fees, isolated from other patrons, or treated less favorably than other patrons.

I have not seen much use for it, as I've always gotten agents to pull comps and list houses for me.But since you've already taken the classes, it sounds like it's a question of how long to keep it.You could make some extra money listing and selling your own houses yourself.

Anyway I have been able to get the P&I under control through extra payments and refi, so I think it will work out when I decide to move out.

Let the bank pay the commission, should not cost you extra?