They can’t delete your “old mortgage”.

My realtor provided me with three names of folks he has worked with which is helpful.I spoke with the first one (who is a mortgage broker so not tied to one particular bank) and he said I would need to put 25% down on a vacation/2nd home, or at least 20%.

Do they come through and try to justify their existence by pointing out small things for you to fix or is it pretty benign and they're just making sure you're not a slumlord?

I am just worried this might be a mistake as it as a high cash flowing property and my mortgage rate is a low 3.125%.

Many banks handling tax escrow accounts for mortgages have mistakenly thought there was one tax due twice/year or totally missed one of the taxes.Investors should research the SEV and the Non-Homestead property tax millage rates to project what the property taxes will be after adjustment.

All require the "lender" to be licensed in the state, for borrower to have no mortgage lates or hiccups, have different rules and change the rules whenever their investors (not government MBS these are big guns investment firms with pulse of the location where your property sits) see clouds in the sky.

We paid them 9% interest (they put a private mortgage on the property) and give them 19% membership interest in the holding company LLC How did you add value to the deal?

Goal setting is not something you should wait until the end of each year to do, but if you have been busy and maybe haven't been able to get around to either brushing off your old goals, validating your existing goals, or creating your new goals, now is the time to do it for 2025. 

I recently purchased mortgage software and again wanted to streamline the process in selling or pooling the mortgages and attracting my own investors.

[1] How are retirees living on rental income supposed to pay their mortgages?