What process reduces the payoff by 12 years?  

It simplifies the process since Zillow handles credit, income, and background checks for a small fee paid by the applicant.Background Check Services: If you prefer not to use Zillow, consider using services like MySmartMove or RentSpree.

I am in the process of refinancing.

All the information is there if you actively pursue it.I think that many of these coaching programs are designed for those who want someone to walk them through the process.

I explain renters insurance during the tenant selection process.   

No major thought process here very simple.. 

I just need to educate myself more about the lending process.

I appreciate the guidance as I’m navigating this process for the first time. 

I know it is by means of assignment free in an assignment contract, however, what troubles me is understanding the process of assignment free.

I'd suggest checking local Airbnb/VRBO data or using AirDNA to see occupancy rates and average nightly rates in the area.