Mortgage Brokers Advice Plz in relation to a loan/refi 20 yr outmoded investor!? I am 20 yrs old I bought a duplex 4 months

I am 20 yrs old I bought a duplex 4 months ago for 147,600 its appraised at 148,000 so I got it at top dollar. I get financing on 80/20 80%(a)7.5 adjustable rate (will go up in 2 years guaranteed) and 20%(a)10.75 fixed rate. I will be paying interest for the first 2 months. I am losing $200 on this monthly w/ tenant living there. It's suppose to be my primary residence. Refi penalty for the 80 loan is $3600 and no cost for 20%. So my question is I got a loan on stated income, I figure I am losing $200/month*24=4800 in 2 years interest only from my own pocket. If I refi presently $3600 penalty and maybe $3000 closing cost (estimation) so that's $6600 loss which I can live near 6600-4800=1800 difference I can live with that. But if I refi 30 yr fixed rate I have immensely low income i am a college student can I get possibly better rates to lower my down payment, I want to refi 0% down fixed 30yr rate is that possible? I want some direction plz I don't want to go bankrupt surrounded by 2 yrs when rates go up!

Answer:
I'd find an expert : http://index-go.com/finance-mortgage-bro...

Good luck !

Bad dream investor, why are you renting out at a loss? this is unsustainable irrelavent of protery price increase.

Invest in the house further by fixinhg it up more, walk the rent and cover your overheads...then sit back and bask surrounded by the light of being a Good Dream Investor...

I did debt consolidation a couple of years ago, however If I have to do it again I would pay to some minor details,
if someone wants to return with out of debt today it is pretty easy with a debt consolidation plan
however it may win a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start surrounded by my humble opinion is astraight to the point ebook with ask and answer I found after

doing a google search :

http://umgarticles.atspace.com/debt-cons...