Mortgage recasting is a great option for homeowners who:Have received a windfall, such as a bonus, inheritance, or proceeds from selling another property.Want to lower their monthly payments without extending their loan term or going through the hassle of refinancing.Are satisfied with their current interest rate and loan terms.How to Get StartedIf you’re considering mortgage recasting, here are the steps to take:Contact Your Lender: Ask if they offer mortgage recasting and confirm your loan’s eligibility.Determine the Lump Sum Amount: Decide how much you can afford to put toward your principal.Calculate Potential Savings: Use an online mortgage calculator or consult with your lender to estimate your new monthly payment and total savings.Submit the Request: Once you’ve made the lump sum payment, your lender will process the recasting and provide a new payment schedule.Final ThoughtsMortgage recasting can be a powerful tool for homeowners looking to reduce their monthly payments and save on interest without the cost and complexity of refinancing.

Could not find much online so figured I would turn to BP.

But damned if I can find anything online about landlords using it!

Check out other online guides available here: https://www.biggerpockets.com/guides3.

We all have a common reason for being in the room or on the online call. 

Be safe. 

I also recommend a bank that has local branch that you can go into vs having it 100% online.

Maybe also consider if they are "good people" that work in the community and just want a safe place to raise their family. 

Quote from @Sarah Kensinger: Quote from @John Underwood: Wouldn't it be cheaper to order everything online and have it shipped to house?

I offer an online payment portal to submit rent payments via ACH or CC - they "couldn't figure out how to use it" so I set us up to accept Zelle payments.