A lot of folks that work this are simply brokers and will make a fee for putting you together with Kiavi or lima one..

I was told that one of the most important factors is the deal.

Protecting your asset is sometimes a  factor in an upgrade.

ADUs can significantly enhance your property's value by adding living space that can be used for rental income or as additional living quarters for family members.The increase in value from an ADU can vary widely depending on several factors such as the size, quality, and functionality of the ADU, as well as its integration with the main property.

Are you an agent paying a bird-dog fee to a lender for sending you clients or vice versa?

With fees doubling and competition heating up, you might want to rethink this investment.

If the rate is reasonable then it may make sense to try to save fast to get to the 3.5% down payment on a double or triple - househacking may allow you to increase your savings rate and pay down that loan even faster.As for estimating costs, closing in NY factor at least 1% of the mortgage amount for tax, plus $1500-2000 for lawyer, title and fees, then the amount required by the bank for escrow will depend on the actual property taxes and insurance.

They're offering a few thousand more than asking and will also pay agent fees.

Most likely you will need to factor this into your purchase price when making offers.Thanks.

With the cash out refi it would be the same you would just factor what you would cash flow with the new monthly payment.