And most people on BP would disagree with me.I have been "restructuring" my investments due to a location change the last couple years but I am starting to add more leverage when it makes sense. 

How do you think I should restructure to make 1k or better on profit.

Plus I'm kind of overwhelmed at how expensive all of this loan restructuring/new build seems. 

If I have 90% equity, I can easily restructure debt or even use the property to secure cash.

I'm paying off or restructured all loans above 6% (since deal-flow stopped being worth the  massive effort to me anymore) or were higher risk. 

Monthly cashflow improved by $150 from the debt restructure.  

@Tam Truong I agree with my colleagues above - restructuring won't help on taxes.

Steven, the idea was to make the deal attractive to the sellers, but how would you restructure it to improve my situation and still be persuasive?

For example - if you're into keeping people in their homes and restructuring the loan - then that is your first filter Owner Occupied homes.

That's a valuable thing.Even if pensioners take a haircut in future restructuring you will still come out ahead.Keep in mind that you can use the pension to secure bank loans on properties.