If so, there are no transfer taxes due. 

Often you can find these lenders with a mortgage broker or by reaching out to a local bank or credit union in the market you wish to buy.Cheers!

Prepare financially by saving for down payments, improving your credit score, and setting aside emergency reserves.

Thats $7700 a year NOT including my accountant/Tax prep. 

This is much lower than the costs associated with refinancing.Benefits of Mortgage RecastingLower Monthly Payments: The most immediate benefit is a reduced monthly payment, which can free up cash for other financial goals.Save on Interest: By reducing your principal balance, you’ll pay less interest over the life of the loan, potentially saving thousands of dollars.No Credit Check or Appraisal: Unlike refinancing, recasting doesn’t require a credit check, income verification, or home appraisal, making it a quicker and simpler process.Keep Your Current Interest Rate: If you have a favorable interest rate on your current loan, recasting allows you to maintain it while still lowering your payments.Drawbacks of Mortgage RecastingRequires a Lump Sum: Not everyone has the cash on hand to make a significant lump sum payment, which can make recasting inaccessible for some homeowners.Doesn’t Shorten Loan Term: While your monthly payments are lower, recasting doesn’t reduce the length of your loan.

Most places in Ohio can be profitable rentals... if you can stomach those property taxes!

Besides that, I have a credit repair and funding company that helps entrepreneurs get their businesses going.

The one bank left kept a 1 mil line of credit for me ( down from 15 mil) had me  on a 90 day extensions for 4 years and allowed to to earn back in.

If the applicant comes from the pool of people that I or my tenants know, I use real estate as a way to give back as many of my tenants will not qualify credit wise or may even have a criminal background or would struggle for another reason if I were to just stick to the "background/credit check" criteria. 

The 1031 exchange will indefinitely defer all tax on profit and all depreciation recapture.