While it’s a helpful quick filter, the bigger picture—appreciation, tax benefits, loan paydown, and compounding growth—often tells a much better story over 5-10 years.The key is balancing cash flow and long-term gains.

Natasha - Hi -  I am one of Bigger Pockets investor friendly real estate agents for Phoenix, etc.

John (KTS) for help, KTS is a bit bigger and each case gets assigned an attorney. 

If its a log cabin it might have trouble qualifying for the refi - would be smart to get some opinions early if that is your gameplan - would likely be a bigger potential hurdle than the gift/original purchase process

My questions 2 and 3 are misleading while taking into context the bigger picture which you clarified.I do not know how to track record of a syndicate.

Also, looking at the bigger picture, if this remains contentious, good luck getting him to come back to address any warrantable repairs etc.

Joining Bigger Pockets hoping to accelerate my learning process and meet like minded individuals.

Scott's book here at Bigger Pockets, that will give you basics.  

Please check out this other thread on bigger pockets. about this issue. https://www.biggerpockets.com/forums/960/topics/1196567-nora...

Seek out the smaller relationship oriented banks in your market and begin borrowing from them even if their terms are slightly less competitive than a bigger bank.