I don't want to make concessions/value reductions based on hypothetical work that they could then vote against. 

It seems you and your husband have the ability to make a property more desirable and I would try to stay local for the same reasons you listed. 

PPSF quoting will not give you the true info you need to make an educated decision.

Risks: rates go down and you have to pay a prepay of 2 or 3 %; you have to sell and pay the prepay; rents decline & you can't make the payment like any other type of loan; cost upfront a little more than conventional; need to find experienced broker licensed in the state where subject property sits; servicers are bulldogs. 

I joined in hopes of getting into my first deal in this upcoming year and making the connections that will help me achieve that 

You can't actually pay it off directly because they've been securitized, and the people who invested in those securities did so because of the specific certainty of the payment schedule.What you do in a defeasance is use the proceeds of the sale or the funds from your new lender to purchase treasury bonds that are packaged to make the exact payment amounts and timings on the remaining term of the loan, and then assign those bonds to your old lender.

I put my money where my mouth is on this.We lend our own hard-earned money to local real estate investors.

I've been a long-time watcher from the sidelines, and I'm finally ready to start making some real estate investments in South Florida.

Driving relevant traffic to both a website and socials is hard without throwing some money behind it.

Realtors typically pre-screen rental clients to make sure their time is not going to be wasted.