Based on what you've told us, your rate should be at prime (7.5%), unless you are over 80% LTV, then it would be prime +1.Jeff

What interest rate are you getting?

The rates will be lower and will allow you to maximize profits.

I don't do this for a living and have no real world experience, but at 40% down, even with a 7% int rate, that seems like a high monthly payment.

I have heard good things about Ohio, Indiana, etc.5 - Due to high interest rates flipping has become highly risky and most businesses have dried up.6 - Co-living and Assisted living seems to be popular right now.So - really depends on your market, your strategy, and your timeline.

Employment Rate: Italy has historically had one of the lowest employment rates in Europe.

Understanding the interest rate, loan maturity date, and any prepayment penalties will help gauge urgency.3.

Just make sure you’re comfortable with the interest rate if going either route.  

While I have a fantastic rate, the co-owner's giving me the option to refinance or he'll force a sale.

If rates come down (most likely not in 2025) you can refinance or just shovel cash-flow and pay it down quicker.