My first mortgage was almost 11% and that was a good rate.

Does your mortgage include your property tax payments?

-How are you getting a 3.75% rate?  

Refinancing will change your mortgage rate, and if it’s worse than your current rate, it’s not worth it unless you’re getting a great deal.

Yes their rates are steep, but that's hard $$$ for you.

Picking up flexible part-time jobs to qualify for a mortgage is definitely a smart move, as conventional lenders typically look for consistent W2 income.

Owner-occupied commercial properties generally get better interest rates and terms when compared to pure investment properties. 

Most seller's in a sub-to don't understand the risk they are taking and most lenders have concerns over the overall portfolio quality ratings which has an impact on their cost of funds.

It gives you a list of all the assumable mortgages in your area.  

Looking at this past week's CMI, it's interesting to see the buyer/seller positioning in the SE-ish area compared to the NW-ish area with rates high 6's in JanuaryStill bullish on W/NW future demand due to TSMC factory and other companies (dashboard snapshot below) but time will tell.