Good questions and not my area of expertise so I'm not going to pretend I have good answers there other than suggest talking to a good estate planning attorney and tax professional, because that's their area of expertise.

Readers should seek professional advice.

Readers should seek professional advice.

Skin in the game: professional MTR operators have it.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Readers should seek professional advice.

Readers should seek professional advice.

Readers should seek professional advice.

Consult with Experts: If you're uncertain, seek advice from a financial advisor or mortgage professional who can help you evaluate the specifics of your situation and give tailored recommendations.By following these steps, you can make a well-informed decision about whether refinancing while considering prepayment penalties is a good financial strategy for you.

It’s advisable to consult with a tax professional or financial advisor to determine the most appropriate approach for your circumstances.