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.

.: Generally you would call in junk and cleaning professionals right?

In addition, somebody else is paying off your mortgage and the property can be a good tax write-off (consult with a professional).

Hi Katie, do the tax benefits apply to just Real Estate professionals or could it also apply to regular full-time W-2 employees?

Readers should seek professional advice.

Either way, you have a great resource of industry professionals her on BP, so I'm sure you are going to be fine! 

For example, they lost a fairly major battle when they tried to argue that only licensed professional can manage short term rental properties. 

Consulting with a tax professional can help clarify how and when to maximize tax benefits based on your plan.