And while the cost for advanced degrees is naturally higher, so is the delta in *average* earning power.

We got a whole lot of skymiles lol....

Example:Old Financing-Own home worth $200k, with $100k debt=> With 80% loan of $160k, $60k is available with $2.5k in refinance costs-Current mortgage is 30-year @7.5% with an original balance of $150k=> Payment = $1,049-Been paying for 17 years with 13 leftNew Financing-New loan is 15-year 5.25% with an original balance of $160k, closing costs $2.5k=> Payment = $1,286AnalysisPayment delta = $1,286 - $1,049Annual payment delta = $2,844Equity proceeds from new loan = $60k - $2.5k = $57.5kDivide increased payment by equity proceeds => $2,844 / $57,500 = 4.9%4.9% represents the minimum you can accept on the equity proceeds to replace the increased payment amount.

Thawda Aung Maybe one question to ask is what the delta is: Are you talking about a $5K different in price or a $50K difference in price/appraisal?

@Kevin DeeI've never used bathfitters, but what I do is buy a 3 piece bath tub wall set by Delta sold at home depot.

If the tax delta is worth the cost of moving it may be worth looking at.

In the same neighborhoods, other investors are simply buying the property, replacing carpet / paint and renting out the unit.There is a material delta in the rental rates between the two strategies.

I was recently in Vancouver area, visiting friends in the city, in Victoria, and in the Delta area (Ladner).

There are also a couple out in the lower delta of BC who are wholesaling.

Some others are Supreme Title, Delta Title and Crescent Title.