@Michael Mullins someone else mentioned that to me and I agree, we install those as well, I forgot to mention them in this article. 

Teresa Ann Mullins, et al (Action No. 15-CI-1458, to raise the principal amount of $78,667.82, together with interest, charges and costs).575 FREEMAN DRIVE BEING all of Lot 119, Unit 1, of the Thoroughbred Acres Subdivision, Lexington, Fayette County, Kentucky, as shown by plat thereof of record in Plat Cabinet C, Slide 96, in the Fayette County Court Clerk’s Office, said property being also known as 575 Freeman Drive.

@Scott Mullins If you don't mind me asking what are the terms for your loans?

Carl Mullin 352-Four46-8559

@Scott Mullins thank you for the input.

@Justin Mullins I probably wouldn't consider it at this point but many investors would.

@Charles Mullins I dont think theyre grossly underpaying by too much. a couple hundred at most (combined total).

Hi @Jacob Mullins as a former Navy Sailor and someone who has bought a duplex with the VA loan and used the IRRRL, I may have some insight. 

@Ryan Agcaoili-Mullins alrighty then, let us know.

@Jeremy Mullin As to the interest that you would owe the tenant, you are correct: only on the amount over the monthly-rent-equivalent at the time of signing the lease.