I’d like to know your challenges as I’m always looking to improve.

Hi Hyeonji, there isn’t necessarily a savings advantage of leveraging a 2/1 buydown, you would just be doing it to help bring down the payments for the first 24 payments, to improve monthly affordability. 

A real estate agent with knowledge of investments, analyzing deals, knowing construction, and having crucial contacts will drastically improve your odds of success.

I would love to work with him in anything he does because he has the highest amount of integrity and he honestly seeks to improve everyone's life that he comes in contact with.

You can spend the remaining funds on other improvements and write them off as business expenses. 

The total cash flow since ownership has been poor (but improving fairly fast), but the overall return has been good (not as good as my usual but this is because of the rates increased). 

@Marc Shin, I echo Gino's thoughts.First the financial: assessing any improvements will come down to how those improvements affect both your cashflow and your overall value of the asset.  

The only rule that has changed in the last 18 months is the seasoning requirement, which is a lending name for waiting period, to be able to use an improved value to pull cash out has gone from 6 to 12 months.

This can reduce rates, improve cash flow and un-encumber properties for other usages. - Borrow more or less than you need.

However, it improves fast.