@Ryan BroschardHi Ryan,You have hit a common issue many new investors fail to anticipate.  

Just trying to gain a sense of hot or cold. 

And I know that a refinance would be the best, and most common, way to go. 

Thank you.Good morning, Joel - What you are describing is a very common practice on the private lending side of the financing industry.

A common misconception is that real estate properties under $1M have a smaller tax basis and therefore do not benefit from a cost segregation study due to the associated fees.

Cold, drafty, and couldn't keep the mice out.The thing rented like crazy.

Common syndicator game of throwing out huge returns when other funds are going under because they want you to only look at that shiny number and not what their past performance has been

Thanks as always.RL What you were experiencing is actually more common than people want to admit.

https://www.biggerpockets.com/...12 Frequently Asked Questions (And Answers) About DSCR Loanshttps://www.biggerpockets.com/...8 More Commonly Asked Questions and Answers to DSCR Loanshttps://www.biggerpockets.com/blog/eight-questions-and-answe...What Documents Do You Need for a DSCR Loan?

But it's YOUR money, and Real Estate, to put it mildly, is a contact sport).Month 5: Deals & Network (15-18 hours/week)Submit first offersAttend 2-3 REI events monthlyBuild social media presenceKey Goal: First offer acceptedMonth 6: Scale & Automate (15-20 hours/week)Delegate initial tasksEstablish morning/evening routinesCreate follow-up systemsKey Goal: Sustainable weekly schedule🚫 Common Pitfalls to Avoid:Overcommitting earlyNeglecting W2 responsibilitiesSkipping system creationTaking on too many mentor calls✅ Success Markers:Consistent daily actionsGrowing networkClear systemsNo work conflictsSteady deal flowMaintained energy levels👉 Action Steps This Week:Audit your current scheduleBlock 2 hours dailyChoose your power hour (morning/evening)Set 30-day milestoneGeneral Comment:  obviously not everyone will follow these suggestions.