Trying to go to companies directly is rarely going to be your best bet. 

Im debating if its a good idea to refinance to a 15 year 4.375 fixed rate paying 2 points. it looks like a win win in most scenerios because of the rate savings and shorter term.

It looks like networking and meeting people will be my best bet.  

I'm betting your numbers look like mine, and CapEx saving is eating up a lot of it.

Note: I want to win the race too.Well Karolina-- These are big money deals, big money can be a double edged sword so be careful!

Win-win, my brother got a place to live, and I got a good ROI on my investment.

Small Claims Court is also good, pro is you get an enforceable judgement so if anything is unclear such as damages amount that will be determined, cons are time and expense involved and once you win the big challenge is enforcing the order.  

Sure you might lose on some listings but you will win listings.

That's how you win their hearts and make them see you as the ultimate investment partner.

Doing this like a brrrr I see as the best bet, for example my property does still have room for improvement adding a bedroom and bath to the primary structure and then the ADU.