That alone was the biggest improvement for my business practices and allowed me to take all of my bookkeeping in-house and eliminate the expense I was shelling out for a bookkeeper.

2023-2024 DECIMATED my already broken finances and killed my 15 yr run being debt free with paid off rentals and a house near the beach in the Ca.

If you've not read Debt Cleanse, you should.

I  Income:  The amount of property you can buy will be dependent on your Debt to Income ratio.  

My bank account is connected to Stessa to eliminate the need for me to manually track income, expenses etc. 

Weirdly, you may actually be able to get better terms and/or more LTV on the refinance if there is debt on the property as lenders have rules for max cash in hand (max proceeds you get at closing) for cash-out refinances.  

Eliminate debt, establish a budget, and save.

We raised $4.5 million in equity and got $4.5 million in fixed rate debt from Freddie Mac at a 5.85% rate.

If they notice you have another house and your debt to income can't cover it.

They're more costly- not a ton, but if it eliminates stress for you, that might be the way to go.