Yeah - correct. 

Of course there could be other circumstances specific to you that change your analysis, but what you laid out is correct.

We do ALL the grunt work so our investors have the information they need to make decisions based on actual data.If you’re a person of integrity and would like to learn more about how we help create 100% hands-off passive incomes for our investors…Shoot me a message & let's connect.And marketing PM company on other profile: https://connectedinvestors.com/member/bob-priscowhich links to: https://5pointspm.com/ Correct how many years ago was this.

The only penalties would apply if I’m taking out the earnings that the Roth IRA grew itself, correct?

I think this is a State specific legal ruling in WI if I recall correctly.

Should we choose this color, or is there a better neutral option?

I'll need to contact a few PMs in the area to get an idea of the cost for their services.If it's just one unit, I would always say self-manage to learn, but you still need to have connections to do self-management correctly.

This reduces my monthly payment by ~$100 a month.Am I correct to think that I am essentially paying $3500 for this refinance?

Quote from @Christina Barry: You are correct.

Definitely not, if you don't pick a correct property at a correct price.