For example, I have a loan that's at 0.97%. 

I do not have any loans through Flagstar Bank, but I would talk to them prior to moving it into the LLC.

I'm a Realtor with a couple properties listed in Boise, ID and a neighboring town for my investor/client that are currently rented as co-living or rent-by-the-room and getting killer income. (7.3% - 9.5% Cap rate) So far, every inquiry has been baffled by the concept of co-living or rent-by-the-room and immediately ask if they're being run as a halfway-house (which they are not).

10% down 2nd home loan and savings from the proceeds of already owned STR's.

That translates into $208 to $375 per month on a $100,000 loan.

Yes, you can “save” interest by paying off a loan faster - SO WHAT?  

Here’s what made a difference for us:🔹 Mortgage Relief – Many lenders offer disaster relief options like payment pauses or loan modifications.

In addition to conventional loans and FHA loans, if either you or your wife are veterans, the VA also has a rehab program.I'd be happy to discuss my rehab experience both as an investor and as a mortgage broker, and at least help you think through your options. 

I plan to offer owner financing to others that can't get a loan.

Again, the $600 interest threshold is per loan, not per person.But this was not my money!