I found one who's strategies made sense, 10 years later my wife and I have been financial free for about 5 years now by leveraging the concept of house hacking. 

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Remember, buying a property is a financial decision that should align with your long-term goals and comfort.If the new lender offers a better rate and lower monthly payment, it’s reasonable to consider that option.

For some, a smaller market with lower property costs may provide greater financial flexibility, while others might prioritize high-demand cities for quicker tenant turnover.

I’m going to consult a local financial planner but thought I’d ask the brilliant minds at BP as well.

A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

Here are my thoughts about your decision to refinance.Process:Understand your current loan terms.Check your credit score.Compare offers from different lenders.Get your property appraised.Submit your application and go through closing.Considerations:Current interest rates vs. your existing rate.Amount of equity built in one year.Closing costs and fees.Your long-term financial goals.It's a complex decision, so consulting a financial advisor or mortgage specialist might be helpful.

I have never invested in syndication.I understand diversification in different asset class (precious metals, real estate stocks etc).

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

These big-ticket items will still need replacement eventually, and having a reserve fund helps avoid financial surprises.