Quote from @Glen Wiley: Find a different advisor.

Then I responded, “As long as it is not in the Glen or Camelot subdivision, I may be interested.” – He then came back, “Oh sorry, it is the Glen area.”.Yeah...

@Glen Wiley I definitely agree with the requirements but if he was making 3.8x and will be making 3.4x that works.what would there reasoning be to do this?

Quote from @Glen Wiley: Is the remodel of the SFH truly necessary or does it cash flow already?

It's in the historic Glen Echo ravine neighborhood in Clintonville / North Columbus

I live in Glen Burnie, MD.

@Glen WileyNot touching Florida right now as it is already seeing corrections and will continue, especially on the condo and townhome side in HOA’s as once their insurance resets and condos have tSpecial assessments taken into consideration you will start to see a significant increase in supply.

@JaNae AndersonI recently got permit approval in SJ (Willow Glen) for a 630 sqft attached ADU + 170 sqft addition to the existing unit.

You might also consider taking a look at unincorporated Riverside, as well as the city of Coachella. 

I agree Glen; Dave Ramsey provides good advice for the novice investor to get out of ordinary debt but didn't follow that path for his massive wealth building.I am curious if there is a calculator out there to determine where the "break even" is on a refi.