I am looking to refinance because I have a 5-year balloon payment that is not too far away.

If I recall, it was not so much the earnest money that was being lent; it was the down payment and other closing costs.

You can't actually pay it off directly because they've been securitized, and the people who invested in those securities did so because of the specific certainty of the payment schedule.What you do in a defeasance is use the proceeds of the sale or the funds from your new lender to purchase treasury bonds that are packaged to make the exact payment amounts and timings on the remaining term of the loan, and then assign those bonds to your old lender.

Negotiating a better interest rate on your refinance would reduce your monthly mortgage payments, helping boost cash flow.

When financing these projects, keep in mind that some lenders may require a larger down payment or charge higher interest rates due to the increased risk.

Sell & Buy a Duplex if your primary residence has significant appreciation, selling could free up a large down payment for a duplex.

Utilized a low down payment loan, maxed seller credit, tax proration and closed on the 1st of the month to maximize my cash and acquire this property What was the outcome?

Because instead of collecting one rent check per month, you’re collecting multiple payments from different tenants.

So, I am indeed getting monthly payment from my buyer that would cover both monthly mortgage payments and also provides me interest only payments on the difference between the sale price and mortgage payment. 

I have strong financials and will be doing a >50% down payment for a Condo.