We use a custom spreadsheet and DealCheck to break down key metrics like cash-on-cash return, cap rate, and debt service coverage ratio (DSCR).

Hi fellow investors,I have several owner-financed mortgages in my portfolio with interest rates of 10% and higher.

However, it can come with extra costs for setup, maintenance, and potentially higher interest rates on loans.

Most lenders I've polled recently only go up to 70% on a refi and only a few will go to 75% and their rates are higher.

.#2 Keep an eye on interest rates based on what the loan officers proposes. 

Here’s some perspective:1% Rule: Meeting the 1% rule is a good sign, especially with many markets struggling to hit this benchmark.Cash-on-Cash (COC) Return: 8.73% is decent, especially with today’s higher interest rates.

@Carlos Richardson , consolidating credit card debt to a lower interest rate loan almost always makes sense.

I like how I can dig into the competition and see their nightly rate, pet policy, etc.   

You can also sell them on sites like paperstac, debexpert or others as well as brokers like Mission Capital, Rams or Phoenix.Depending on quality of paper and interest rate will determine sales price - also I would say self servicing can have a negative impact on the sales price as the major players in the space are not fond of self servicing. 

It depends on what your interest rates are.