Quote from @Ian Wright: Hi Michael, rates are certainly higher now compared to 2020-2021 so what you're hearing about rates is accurate.I would ask the lender to show you side by side comparisons for the following scenarios so you can see the numbers:1) Conventional "Rate-Term" (no cash out to remove PMI only)2) Conventional "Cash Out" up to 80% LTV with 22k Cash Out3) FHA Cash Out Refi up to 80% LTV depending if you have a lower credit score (say anything under 680-700), it may make sense to consider an FHA  (but ONLY if there's a real financial need since you would unfortunately still have monthly PMI on FHA and the Upfront MIP regardless of the equity).FYI, you need 20% equity / 80% Loan to Value on Cash Out so the Appraisal value will be key.

Finally, by no means have I included everything in this single blog, nor am I an expert in all of this, so please ask me any questions, so I can learn more!

Hi @Ian A., some time ago there was a post with a take on KC zip codes. 

@Ian Tudor @Ryan Groene

PM me your e-mail address and I an send it to you.  

Originally posted by @Ian Walsh:It is pretty rare and not good business but if you speak with an attorney and really care to do so, I believe you can file to cloud title if you have a contract .  

Hi Ian,This is totally not what you want to hear, but if you are planning on using that cash in the next 5 years, you probably don't want to risk it in stocks, no matter how blue chip.

Hurricane Ian wiped out everything from the beach, inland in Ft.

Hi Ian - I have a few tools I use for my short term rentals.

@Lee Bell @Ian Walsh  Thanks!!