I understand that rents will go up over time and my mortgage payment will pay down the principal, but it seems like investing the $1.43mil into rental properties and/or a low fee US stock market fund may work out better for me. 

Looking forward to hearing back from the community.Hi Evan, I understand where you're coming from, but I'm sure you're aware that rent increases are very common and should be expected by the tenants.

Private money lenders or construction loan specialists, on the other hand, are faster and more flexible, though their rates and terms will likely be less favorableFor a more rural area, local banks will almost certainly understand the market better, but connecting with private lenders who specialize in spec homes could provide more agility.

I think most of horror stories came from people who do not understand how insurance system works.

People focus on the rates because they are a singular number and easy to understand but you can lose money on a rental at a low interest rate and get rich paying a high interest rate.

@Claude Diehl Selling a Solo 401(k)-owned property with owner financing is legal but involves compliance considerations.

I just don't understand their purpose and why they are repeatedly doing this to people. 

I'm not understanding the purpose of wanting to refi.As for the phone calls, look up trigger leads and how to opt out.

I would assume any halfway intelligent human being would understand we mean "shut and lock" but maybe I assume too much. 

Holding properties in an LLC (or other legal entity) can offer valuable protection for your personal assets, so I understand why you went that route.