Run the calculations on the expense of doing a refi at a slightly reduced rate vs. keeping the current loan for whatever period of time you think you will hold this house.

For crowdsource investments on Republic, StartEngine, etc there's a great resource called Kingscrowd that reviews each investment offering and gives details and ratings on the team behind the project.

Bought house in 2020, so instant cash flow given the low rate and price.

@Jonathan Small government actions have led to an unprecedented 40% increase in the money supply, 50-year record inflation, record increase in interest rates, bank failures, credit tightening, CRE recession, housing affordability issues, mobility issues, inventory issues, and massive impacts to the world economies, every investment class, and our families, kids, and friends like never before. 

Offer to pay them off in 5-10 years at a higher interest rate.

Trump doesn't control them, but he's going to try everything he can to bring mortgage rates down.

Consider house hacking when rates and prices are a little more balanced with reality.

Depending on the lender (bank or alt. lender) you have to look at origination fees....points, doc prep, interest rate, frequency draws are allowed/min. draw amount allowed per request, interest payments vs. interest reserve & whether interest reserve is capitalized to fully understand the true cash requirements.

Option 1: The loan that the owner has is an assumable loan at a 3.875% rate and still has about $265K.

I goal is to find a market that has good appreciation rate with good to decent cashflow but out of the two appreciation matters more to me.