This way, you'll have access to liquidity without the headache of managing separate loans and fees.Predicted Refi Rates: While no one can predict rates with absolute certainty, the general consensus is that rates may stay lower or remain stable in the short term, barring any economic shifts.

If you are struggling to make the numbers work, then it is likely not a deal to pursue.Our biggest challenge in the New Orleans area is the cost of insurance.

Well if Proper won't insure it, many others won't as well.

This looked intriguing, but I'm worried that YNAB is less user friendly for my situation.Queue the back story: I work as a realtor with a small RE investment portfolio, and my wife is a more stable W2 Engineer. 

Here it would be 25% down ($275k)A balance of $825k at 7% (or higher) $5,490/mo, figure $250/mo insurance, $500/mo property taxes $6,250/mo. 

Is that just the mortgage or are you counting in insurance and taxes?

Now if you didn't refinance rented that unit out before living in it for a year and changed your insurance policy to a commercial one, that could be problematic (just to give an example). 

Insurance, bank accounts, credit cards, etc.You are probably making your life more complicated and expensive than it needs to be.

Have you ever had a year where your insurance or proper tax’s went down?

You can target stable areas that can rent for $2.8k-$3.2k.