When a lawsuit is started, there is something called the complaint.

This is much lower than the costs associated with refinancing.Benefits of Mortgage RecastingLower Monthly Payments: The most immediate benefit is a reduced monthly payment, which can free up cash for other financial goals.Save on Interest: By reducing your principal balance, you’ll pay less interest over the life of the loan, potentially saving thousands of dollars.No Credit Check or Appraisal: Unlike refinancing, recasting doesn’t require a credit check, income verification, or home appraisal, making it a quicker and simpler process.Keep Your Current Interest Rate: If you have a favorable interest rate on your current loan, recasting allows you to maintain it while still lowering your payments.Drawbacks of Mortgage RecastingRequires a Lump Sum: Not everyone has the cash on hand to make a significant lump sum payment, which can make recasting inaccessible for some homeowners.Doesn’t Shorten Loan Term: While your monthly payments are lower, recasting doesn’t reduce the length of your loan.

If enough people reach out, eventually it would be great to start a meetup group for STR investors in the area.

Negotiate alternatives thereafter, but start the clock. 

Or start a business which would require a lot more time than owning RE.If it were me and Dallas is appreciating, I'd probably hold onto it since you've had it since 2011.

I first started in investing though house hacking.

So I am starting the loan process over again, for the third time.  

Great start to your investing journey! 

I'm starting to see more private note holders reach out to get a loan against the performing note they hold. 

I'd love to start hosting asap and I wouldn't allow the guests access to the kitchen (though of course they'd have access to their rented rooms, bathroom etc.).