I think people pick up on these traits and my ethics serve me far better in the long run even if I have to explain or navigate additional problems from time to time.

Does anyone have experience with post-disaster job/investment opportunities that could shed light on how these opportunities could be seized, and in an ethical way?

One of our principles when reviewing potential renters is that we have to be able to see what lenders call a “clear path to payment”.

The only portion you should figure the additional cost at 3.75% vs 5.25% is the principle loan amount you have now. 

This is the same principle as the security deposit.

These are professionals with additional training and a stricter code of ethics.

They owe me $1,067,821.23 in principle alone on two flips in Naperville.

These are professionals with additional training and a stricter code of ethics.

Work ethic is number one.

If the terms of the mortgages were refinanced into 30 year AM (amortization) the P&I (principle and interest) payments would appear much lower and hence the resulting cash flow would be much higher when they (lenders) go to calculate your cashflow for DTI or debt service coverage purposes.This also could be an issue with how you file your tax returns for all of these 15 doors or a combination of the above.Either way its really easy to fix.