Another student rental that has a mortage of 900k me and my wife live here on a private floor. thrid property is also another rental ( duplex w a mortage of 390k ) was fully rented but tenant upstairs has moved out a year ago so I decided to renovated to do short term rental added in 2 ensuite rooms.

@Jon Luft if you're looking in FL around the Tampa Bay area, reach out to @Josh Green!

After 25 years of co-living have now graduated to one side of a duplex.

You will need 20% for a down payment and in BC there is also the property transfer tax to pay. 

But let’s go a later deeper - my down payment would come out of a well performing stock portfolio.

Just want to mention that sometimes it works out better to raze an existing property down to like 2 studs and rebuild around it so that it still is classified as a remodel versus a complete new build. 

The president has zero impact on underwriting guidelines and  zero direct control of interest rates. in fact the fed has no direct control of long term rates that effect mortgage rates.

You are able to access your old reports by going to this url, unfortunately if you're out of free reports you won't be able to edit or create more reports. 

Renting out one side can help offset your mortgage, which is a huge advantage while you're building financial stability.

@Ellis Moyewe really don't know a lot about this situation since there aren't many details in your post... but i don't think this makes any sense for anyone involved here...if it's a flip that's not selling, refinancing may not solve your problem and allow you to pay back the HML in fulland typically a sub to buyer wants a low interest rate... and if you refinance now you won't be getting a low interest rate, you'll just be getting whatever the market offers.and finally.... the vast majority of loans are NOT assumable.