If you have the cash to make a lump sum payment and are happy with your current loan terms, recasting could be a smart move to improve your financial flexibility.

Months' supply, a key market balance indicator, is expected to improve from a 3.7 month average in 2024 to 4.1 months in 2025.

I started my solo-shop last summer and looking for ways to improve!

You would then stress to not incur any improvement cost above $22,000 or you may have to liquidate the property.In this scenariod, $60,000 if you are making an above return at 10% to 12% annually + $30,000 making $4% in a HYSA, the average return is maybe around 8%The blended return would be about 9%You may be better off investing in the stock market, get a slightly lower return but without all the added stress / work.

This would buy time to improve cash flow or explore better refinancing options.Ask Your Lender: Would they consider lowering the rate temporarily or extending the loan period while you stabilize cash flow?

There is some future Infrastructure improvements taking place, which can/cannot impact the property ROI. 

What's his home improvement contractors license?

Are you a hands-on type that can make improvements to a home or prefer to contract out work?

I have heard vented units don't dry as effectively but haven't heard any complaints from my tenants and believe the technology continues to improve.

@Dennis Bragg, how did you factor improvements and market appreciation into the buy-back price?