I am interested in Refinancing one of my properties into this product. 

I'm considering holding onto my side gig, paying down the credit card balance, and refinancing when rates drop to 5%, even if it takes until December or so.

I'm considering this with only a 5% initial investment.Given the tight market, I'm leaning towards a strategy where I aim to break even (or close to it) for the first year or so, with hopes of refinancing when the market conditions improve.

We actually have refinanced all our loans from when we first bought them to lower rates so over time our income increased because now we have low interest rates. 

(IT IS JUST MY OPINION) ....Take into consideration mortgage rates fluctuate it maybe a good time to invest and be on minus FOR NOW, later on refinancing might save up some $$$ 

He doesn’t seem to know that.He doesn’t mention the options of refinancing or of selling.

By exploring these diverse avenues of funding, you can access the capital necessary to successfully execute your real estate investment strategies and achieve your financial goals.The Importance of ARV (After Repair Value): Discover the crucial role that accurately estimating the After Repair Value (ARV) plays in influencing the success of your financing and refinancing endeavors.

I wouldn't mess with a good loan on the one you have.If the existing loan is a high rate I'd think about refinancing. 

I refinanced it once and brought the rate down to 3.5 and then another time and brought the rate down to where it currently sits at 2.75%. 

This step is about generating income from your investment.Refinance: Once the new properties are stabilized (occupied by tenants and generating income), look into refinancing them based on their new, improved value.