Lastly, the entire house is significantly more efficient and green, closed cell foam insulation, all new E windows and all new LED lighting, and an insulated basement.

The entire house is significantly more efficient, foam insulation, E windows and LED lighting, and What made you interested in investing in this type of deal?

@Chris West what bank(s) have you talked to?

We're all trying to speed up the process, but the extra costs that come with trying shave off a month or two in the refinancing process can set you back just as much.

Hey Johnny,There’s nothing too good to be true about it however if you use its pros and minimize its con’s then it can be a highly effective wealth building vehicle for you and like a knife or weapon if you use it incorrectly it can hurt you too like @Sat Ram mentions.The strategy in and of itself, once you shave off the fluff from the gurus, is a vehicle to get your lazy money that you have sitting around or money that flows through your accounts on a monthly basis to be better utilized when it’s parked in the line because that lowers your cost of financing.

It has a decent mattress but we store a 1" memory foam topper (queen) along with sheets and the like in ottomans in the living room.

Typically we don't reduce but we shaved 2,500 off in efforts to get the deal done and we're ready to move forward.

TIAYou rented out a place with ingress/egress for critters and bugs...At a minimum you should seal the place up properly.Maybe try some spray foam.https://www.homedepot.com/b/Building-Materials-Insulation-Spray-Foam-Insulation/N-5yc1vZbaxjAlso, the amp draw on the A/C should match the plug and not overload the circuit.Having an electrician run a special dedicated larger amperage plug just for A/C use might make for a safer install (fire-wise) and if you go with a bigger amperage (special plug required) outlet, renters could use a larger A/C unit to cool more of the house.For a little out of pocket you might get a much better rental.Good Luck!

Yes, the Eviction Moratorium(s) have embolden lower class tenants to not pay their rent and take every advantage they can.

I am guessing that Sea Foam Green and Coral wouldn't be a good choice for your area.