When it comes to managing your mortgage, most homeowners are familiar with refinancing as a way to lower monthly payments or take advantage of better interest rates.

The tax paid from your lending proceeds should be the equivalent of your tax rate I would think.

Rates will at some point allow you to refinance.  

Where to get the most recent and accurate data for things like:Unemployment dataPopulation growthJob diversity and top employers in the areaVacancy rates (eg huduser.org)Property taxes and jnsurance costsI saw bp pro and reventure and a bunch of other websites provide some of this data, but i wonder how accurate and recent it is.

For an example, we Googled, "hourly rate for handyman Austin, TX" and got this:AI Overview: As of January 2025, the average hourly rate for a handyman in Austin, Texas is between $25 and $25.28.

I know of at least two big players in the lending space who have begun asking for a higher rate if you had in a sec 8 / HAP leases.

But SFH are already seeing renewals at 2%-4% and release rates up at least 5% YoY...that number is even higher on some luxury ($3k+/m rent) homes as those are harder to find.The rest is entirely speculative.

With that low interest rate, you will have paid down a lot of equity in the deal and should be able to finance with a bank.

If rates come down (most likely not in 2025) you can refinance or just shovel cash-flow and pay it down quicker. 

For Non-Admitted carriers, the important item to then pay attention to is the AM Best rating (or equivalent rating agency).