If I sold, I could be debt-free and have extra money each month to invest elsewhere.

I have an opportunity to raise capital with a private individual at a flat interest-only rate as a way to reduce interest charges and eliminate origination and service fees.

(I can say that as someone from massachusetts)But people need to be careful as a CFD is consumer debt and if the borrower contests - all that interest they owe you could be wiped out as if you are not sending statements, I believe the law is then interest could be wiped out and considered invalid.

Consider options like Bank Statement Loans, Debt Service Coverage Ratio (DSCR) Loans, and co-signing.

It may not entirely make sense to go from a 30 year mortgage to 15 year mortgage if your debt to income ratio is tight in any sense.

if the property is in Oregon they need state MLS and NMLS registration for ANY loan on a 1 to 4 unit regardless of purpose.thanks appreciate your feedback- we're only pocking $40k after paying off another heloc and debt. need to finish a big electrical job on the house, etc. so can't save up, but still have over $100K equity.

But, once I was able to eliminate the non sense and the outdated, and work my way thru the pointless, I was left with excellent strategies and techniques most investors don’t know about and even less utilize.

Debt: Seller FinanceEquity: Raised capital from friends and family How did you add value to the deal?

DEBT is for GROWING, debt-free is cruise-control. 

So it's not the same as bank which might do 2-2.5x once debt payments are factored in.