The shorter the prepayment term has an impact on increasing the rate.4.

A delay in closing is not only inconvenient, it may increase the cost of the loan.Understand the Terms of the Loan: Carefully review your loan documents, including the closing statement, before you close on the loan.

We're ok with not making immediate $ as this is a long-term plan to buy and hold for 30 years to take advantage of appreciation, loan paydown, tax advantages, and possible increased rent in future.

However, 80% of tenants in a recent CBRE survey expect to increase their spatial requirements over the next three years, indicating a shift towards in-person work and future growth.While new demand remains slow, these lease renewals are a positive sign, laying a stable foundation for the office market's recovery.

Including this income could strengthen your application and increase your chances of securing a lower rate.

Had they asked to stay longer, you could have said yes, but at an increased rent...can't do that now. 

I know legal ownership and beneficiaries can increase that coverage in a number of different combinations, but are there ways you can think of to expand coverage specifically with the solo 401k's?

@Mario MoralesCash-on-cash return measures the amount of cash flow relative to the amount of cash invested in a property investment and is calculated on a pre-tax basis.In theory if your rental income increases by X amount annually due to the rehab while holding your expenses constant so it directly increases your bottom line (cash flow), you can calculate the CoC return by inputting X/$45k (the cost).

I sold a condo in the Bay Area because of the ever increasing HOA fees and bad financial management of the HOA - this went against my rule of selling off CA properties. 

I am posting this just so others can see this to possibly help them increase their benefits yet save money at the same time.