All in Tucson, AZ (primary in Phoenix).All loans are 30-year fixed right now.I called a few banks and get ~3% for investment properties with 2.25% points + $2k fees to refinance the investment properties... not appealing to me to spend $20-25k refinancing everything when our risk profile is that of a grilled cheese sandwich.EDIT: The primary refi @ 2.5% was for $250k with no closing costs which was amazing to me - but also why it's so hard for me to stomach anything close to the 2.25% + 2k fees I'm hearing for investment refi.

I keep the cheese in the middle of the sandwich!!

The current countertops are green, like moldy cheese green!

I don't want to throw everything at a property only to live on white bread and kraft cheese for 30 years while I pay it off.I guess what Im asking for is guidance in terms of strategy for buying that first home then trading up to the next one or leveraging home equity to start the road of owning multiple properties.stressing because of the time frame, the lack of my capital, the lack of selection on Maui, the cost, and timing...

Practical examplesRich Man in Babylon - Financial AdviceRich Dad Poor Dad - Mindset, Basics of personal finance and investingWho Moved My Cheese - LifeThe Entrepreneur Mind - MindsetAll the best!

Growing up, if there was mold on bread or cheese, we just cut off that part and ate the rest.

Who Moved My Cheese, Spencer Johnson2.

Those people are looking to hire a builder and will siphon off most of the cheddar in the deal.

Who Moved My Cheese was entertaining and very educational.Richest Man in Babylon is a good read.I was 16 when I read Trump, Art of the Deal and I loved it.I think a 15 year old might like One Red Paper Clip as well.

Especially in Georgia where it is highly regulated .You can target any area you want, it will reduce the overall notes available to you the more you set conditions on what you want to buy.There are always deals out there, the cheese just moves on how to best find them.