Quote from @Bruce Schussler: A lot of Podcasts and Youtuber's say to cash-out refinance to keep rents balanced with payment; (PITI) then use those funds strategically to re-invest either in more real estate or just put into a high interest bearing account or money market account...Here's some of my thoughts and comparisons;Cash-out refinance with new loan so rents balance with payment:- The cash-out refinance is 100% tax free- The funds can be put into a money-market account off-setting a portion of the interest charge of loan- The loan balance gets eventually destroyed by inflation- The liquid cash eventually gets destroyed by inflation - The interest on the new loan can be deducted from the rent income- The refinance costs are 3-4% of the total- There is less equity in the property and LLC that can be attached in case of a lawsuit- The break-even on cash-out refinance with current interest costs on the new loan is around 12 years Vs.Paid-off property with positive cash flow:- The positive rent income is 100% taxable minus only depreciation and property tax- There is more equity in the property and LLC that can be attached with a lawsuit- The break even is not until after 12 years at today's interest rates- There is a rate risk in today's inflationary environment where interest rates on bonds keep rising*It appears to me that the cash-out refi is in the best interest for a property investor; (Dave Ramsey would strongly disagree!)

Feel free to PM me. 

Hi @Irma Leibas, we have a proprietary BRRRR cash flow calculator I'm happy to share for free.

I work with a mortgage broker with connections to a variety of lenders so if you want me to look into any options for you, feel free to PM.

The 3rd mortgage is paid back now freeing up $200/unit/month cash flow and then when I’m able to pay back the 2nd mortgage it will go to about $350/unit/month.

Feel free to reach out for details

The beauty of Roth investing is the income tax-free nature of the returns. 

If you like audiobooks, there's a BiggerPockets audio subscription that gets you all the audio books and all podcasts ad free for only $100 per year! 

Whether you’re a seasoned investor or just starting, feel free to reach out!

I will add that Michael Q at YellowLetters.com stepped in and printed all 3000 for me for free after I screwed up the entire first batch doing it on my own.