With the equity you’d free up, paying off $50k in personal debt and boosting your credit score while freeing up $3k/month sounds like it could significantly lower your stress and open doors for future projects.That said, selling means you’d lose a cash-flowing asset, even if it’s not huge.

Would you rather maintain a higher price for 4-8 weeks and look for a premium or would you rent it quicker with a lower price? 

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

Therefore, it makes more sense for US investors to look overseas and Canadian interest rates are now significantly lower.

With that being said we tend to see a lot of CA buyers relocate here for the lower cost of living including lower home values, property taxes, insurance, no state income tax, gas prices etc.

MTRs often have lower management demands compared to platforms like Airbnb while still generating higher returns than long-term rentals.

For example, if I buy a house for $100,000 from a wholesaler that should have a market value of $200,000 after I finish putting in $50,000 to repair the house, then the appraiser and the bank penalized me by giving me a lower loan for getting the house so cheap.

Once we lowered the price to $1 less than everyone in town we filled right up.

Suggesting to them buying their house for a wholesale range offer or lower dependent on the extent of the rehab, then having a contract in place that gives them a percentage of the profit to help get them back on their feet, paying off debts etc.

If you are borrowing $150k, rates will not likely drop enough for you to justify a refinance due to lower rates.