In reality this strategy still works, but we are having to leave more of our own money in the deal because prices are high and/or rent won’t justify maxing the cash out refinance because interest rate is high.

We do lower rates, and I'm curios if others have run into a "floor price" below which you just get problem guests.

Eva, trying to answer your questions here that you dropped in the thread.1.)  

@Dmitriy Fomichenko scratch the part about being taxed at the capital gains rate, you’re right that it is taxed at income levels, however the rest stands.

This was the standard procedure we had been following, and after the inspection there is a net14 payment that is, the payment will drop within two weeks if it passed inspection.

@Maynhia Stott  Baltimore has considered dropping to 12%.

The experience was really bad as I was getting 1-2 year old leads to cold call that I knew had a 0% success rate and I do much better generating leads organically on my own.

I had a “lender” tell me he’d give me a personal loan with a fixed 4% rate on a 30 year term at whatever amount I wanted because he would like to “build a relationship” with me. 

Classic 30 year, fixed rate loans.

Interest rates are not coming down anytime soon.