I personally don't see a problem paying a couple of extra pts for a 1% reduction in the loan but some people I know are very adamant that we shouldn't be paying pts at this time in the game.

we are refinancing 3 properties and Did some research.long term after 6 month of owing the property  cash-out condos only upto 75% loan to valueSF properties 80% loan to valueRental market is strong for the next 3 years so don't worry to get the income...Do it BRR is the game changer

On top of that, we’ve secured numerous deals with 0% interest through seller financing, which has been a game-changer for cash flow and long-term profitability. 

In my opinion, this is much more effective than texting, which often feels like a constant game of cat and mouse with phone carriers.

In my opinion, this is far more effective than texting, which often feels like a constant game of cat and mouse with phone carriers.it is relativly simple and although costing money it is relativly the more cost effective one.

It often feels like a constant game of cat and mouse with phone carriers.

That $1,300 a month buffer is your safety net, and trust me, that’s going to be a game-changer if any unexpected maintenance pops up or you need to cover a vacancy for a month or two.Now, about that feeling of being overwhelmed with debt..I had a client once, let’s call him John, who felt the same way when he hit the $1M mark in mortgages across a few properties.

From my own experience in real estate, I’ve seen firsthand how the insurance game has changed, and it’s not because of storms.

I don't know your experience level but if you don't have time you could play the numbers game and carpet bomb the whole neighborhood.

Play the long game and build relationships with people without asking for their business.