Took out a bit more debt than I should have because my rev projections were a bit too high (at least for year 1). 

.- The property is not getting much traction as a turnkey, and your hard money loan is maturing soon.Here are some key things to consider:**Refinancing with a DSCR Loan:**- DSCR (Debt Service Coverage Ratio) loans are great for investors because they focus on the property's cash flow rather than your personal income.- Make sure the property appraises for the calculated ARV (After Repair Value) to get the best loan terms.- Consider the loan terms, interest rates, and any prepayment penalties.

Eliminate debt, establish a budget, and save.

Specifically refinancing debt/loans?

and you can find an almost unlimited variation on risk ( from low to high leverage, both floating and fixed rate debt, from no to high skin in the game, etc).

I was able to side step financial fees but the person funding the project was assessed a 26k debt because I and all subs were viewed as employees.

This way the property is owned by the LLC even though the borrower on the debt is you personally.

I have been in the commercial investing scene since I started as an agent since I didn't want to buy in the same arena as my clients, so I have never had the luxury of 30-year fixed debt.

- Who carries the personal guarantee on the debt?

Here's why:With a DSCR (Debt Service Coverage Ratio) loan, you can leverage the rental income from the property—like the $4,800/month rental revenue—instead of relying on the seller's personal credit or income.