I'd shorten as suggested and include the value to the owner as their mind will quickly go to the pitfalls of this strategy. 

Keep in mind refinancing costs typically range from 2%-5% of the loan amount, so weigh the upfront costs against the long-term savings to see what works best for your goals.Good luck!

I am always looking to talk to like minded people. 

That’s a great reminder of how even small details can significantly impact the way a property’s value is perceived.I’ll definitely keep this in mind as I work on formatting my T-12s and ensure they’re straightforward and professional.

Two potential solutions I have in my mind are:1.

if you don't mind me asking, who was your lender.

And just the other day, I was grabbing coffee with a friend who reps a group of invsetors out in San Antonio.. they got burned early on by not clarifying their rental criteria, picking up a triplex that sounded good on paper but turned out to have a revolving door of problematic tenants.A baseline business plan isn’t just a mind-numbing exercise.. it’s the guardrail that keeps your momentum from swerving off into the ditch.

I like that 100k   1200 renter that's a solid play in my mind.

That’s why I’m here—to connect, collaborate, and grow with like-minded investors.If you’ve been where I am, or if you’re scaling your portfolio and want to talk strategy, let’s connect.

The truth is, another investor is always just one phone call or email away from taking what could’ve been your deal.So, as you navigate the season of celebration, keep this in mind:- Be ready to act, even when it’s inconvenient.- Every hour counts, especially with motivated sellers.- Opportunities don’t wait—neither should you.The holidays are about giving, but they’re also about recognizing opportunities and making the most of them.