I've found this link (in Portuguese) which seems to describe the refinancing process.Do you know if the major banks are usually happy to do this?

If so, page 15, Section 5.01 F. should directly address your question: http://ccatax.ci.cleveland.oh.us/taxforms/common/rreff1124.pdfIf you should be buying in some other local jurisdictions in NE Ohio, be aware of RITAOhio.com.Each of the above root websites has a menu that gives you the list of participating jurisdictions for each.

See PDF link above. 

Here's the link to the IRS topic that John was referring to.

You can also check local property management websites, they usually list current available listings with real market rates.

The title company is a website thrown up and Justin is the registered owner, which is a huge conflict. 

Look into (and Google for) building science websites that will give you the whole scoop. 

Thanks, Savannah.I appreciate the offer and will definitely use it as I work my way through the information and calculators on the BP web site.

Their website is pretty thorough as to the process.

Do I DM you using the link to your name or contact button?