It feels like im running into the catch-22 of needing experience to gain experience.If anyone has any tips for how i can get break my way into this business I'm open to any and all guidance that you all may have.

Keep you eyes and ears open for  refinancing  options in the  forthcoming year...thanks and all the best 

I'd love to connect on leads and OH , I have been eying that area for a few years. 

Best wishesJust to clear up that post in case you didn't catch it all, I made it clear that I purchased this over 15 years ago following the 1% rule.

I did not even blink an eye at is as they have a min.

Keep steady and stick with it, using plans like looking at local buzz and keeping an eye on road projects, to help grow home values.Thanks!

I feel like there's gotta be a catch.

its hard to think if it was a normal 30 or 45 day rate lock lock that the process is taking that long to where you would need to extend. i was trying to catch up on previous responses, but it sounds like the cap at the 66% LTV was to keep the DSCR ratio's in line to keep the original terms the same. i do agree with a previous comment that 1.5 bps a day is very reasonable for extensions. most non-qm lenders will except an appraisal from another company and transfer it over. however most lenders (if they are sticking with the same company) will not usually allow a 2nd appraisal, so they might be sending elsewhere anyway. hope this helps

With the Hawaii market, will it be smart to be negative for a few years and let appreciation catch up?

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