If you had rented instead of owned you would be farther ahead but home ownership is not a investment choice it is a life style choice.Sell and move on.

I've already had two jobs in the recent past and that is a lifestyle I have more or less denounced.Here's the short version of all that:Option one:Refinance now and make anywhere from $130 to $170 a month, depending on HOA feesOption two:Sell and go look for other properties if I have to be a real estate investorOption three:Struggle it out, maybe get a roommate to help with bills, live like no one else for around 3-4 years so that I can live like no one else til the end of timeYour help is much appreciated.

I suspect with his inflated lifestyle he is really pushing it.

The violent dogs are victims of violent owners or victims of forced violent lifestyles.

And give them appropriate notice, preferably at least 48 hours - and I say this from the point of view of someone who is now a tenant, who lives a cluttery lifestyle LOL. 

It's a lifestyle choice.  

Glad to hear you're giving tenants options for how to pay their rent, as it allows them to tailor the method of payment to coincide with their lifestyle.

They also help 'sell' the place to the potential new tenant, talking about the lifestyle or conveniences that comes with the house, and it seems to help minimize the vacancy period.Does anyone else do this?

Many small mom and pop type investors give up the opportunity to make a ton of money and have a wonderful free come and and lifestyle simply because they never see the importance of learning to be a skilled landlord.

Remember your going after a lifestyle kind of living not a never ending nightmare which this seem to be.