6.125% has P&I of $2625/month.5.75% has a P&I of $2521/monthThis is a $104 benefit.Paying $4400 more towards principle will reduce your payment to $2598, a $27/month savings.Math says buying the rate down has a larger net benefit to you up front, but it will take you 42 months to break even.

In many resort areas, there are furniture/case goods retailers that will handle all of this for you.

Quote from @Matthew Drouin: @Alexander Zeisberg do title companies handle the transfer of title of MH in your state? 

For 10% I handle bookings/marketing, pricing, and guest communications. 

Although it does reduce the premium slightly for that particular rating factor, it is not optional on the part of the HOA as an intentional cost saving measure.  

Depending on what aspects you would like them to handle vs you then you may be able to negotiate that 20% down lower.Alternatively, look into medium term rentals.

Personally, I couldn't have handled the responsibility of a RE investment when I was 20. 

I believe there maybe a few different ways to tap the equity in my 1st rental, but my concern is that if I take out the equity for a new purchase, I'll be reducing the cashflow of my business due to the additional debt repayment.

Hey @Jon Pflueger - your best bet will be to retain an architect, they typically have a good understanding of what's feasible and not in a specific zoning/area + will know how to handle variance permissions and etc. 

., the property) against claims which would reduce the value of their collateral.