You can easily do this for free.

Prioritize your financial stability.

After refinancing, I walk away with $75,000 in cash but still have $152,000 of my own capital left in the deal ($200K + $27K - $75K).The Issue:When I calculate cash-on-cash return, it shows ∞%, but I know I still have capital tied up ($152K).What am I doing wrong in my calculations?

Even if it were possible to wait it out and do a "gotcha" at the end, that's just not how I want to treat anyone. 

Where do begin?

Since this will be a cash buy, do I need a seasoning period for a DSCR refi?

If it can be subdivided, financing will become much easier....

Do you look up competitor rates?

What can be the disadvantage to keep it aggregated in the coming years?

What lenders do you recommend to work with to access the equity in my duplex and how do I go about purchasing another property and not paying the 20-25% down.