How can I refi rental property with high LTV and high DTI? Help!
Harp only helps owner occupied properties. If it is rental I am not sure how it can be done if it is over 80% LTV because you will have MI & that might wipe out the savings of a lower rate.

I am getting out of the military in 2 years, buying home info in texas
What are your goals? Do you want to keep the home you now own? If so will it pay for itself, mortgage Plus taxes & ins?You know your VA benefit will be good if you are out of service also right? You will qualify for a mortgage using your two year history of Military & state trooper...with just one full...

can i prequalify for a home loan if I do not have one of my W2s?
It should be easy to get your last years 2011 W2 as you still work there...correct? Just ask HR for it. It can be worked out otherwise....call me Ill be happy to help...pogie calderon @ RPM 831-419-1790

are usda loans available for second properties?
No they are one home only loans. Owner occupied only.~I am approved to provide them. They are great 30 yr fixed loans with low PMI.Pogie Calderonemail me @ pogiecalderon@hotmail.com