Hey @Mordechai Chaimovitz - It sounds like you are talking about Chicago's NW side because there are definitely tons of areas in Chicago where a 2 flat can cashflow well.I know for me buying on the nw side was critical to my personal well-being and life happiness. 

Every loan and bank will have its associated fees and cost as its the price to do business but if you see more leverage in tapping into existing equity that could very well be the case.

They are focused on the numbers and your well-being when you aren't.3.

So you might as well be a head of the game do the cash out refinance buy the next 1-2 properties and simply refinance the original mortgage as a "rate and term" which carries a lower rate.

They're not out to just make money, but take care of homeowners, business owners, partners, etc and their well-being. 

I’m as healthy as ever, and I make sure the journey doesn’t come at the expense of my well-being or relationships.If ultra-wealth is the goal, I think the true joy lies in looking back and appreciating the progress we’ve made along the way.

It has to be done so it might as well be done on your terms and timing. 

Buyer beware:  Any "new" cabin built in the bubble period might well be a pile of junk.

For the personal side of things, I do a GoBundance Onesheet, which breaks my life up into Financial, Health, Relationships, Friends, Adventure, and Spiritual/Contribution.Happy to share either document with you if that would help Tonio!

Only thing you can control is price and making sure the home is prepped and shows well.  Be