I will move forward with my journey and just follow the positive people in this group that is amazing.I get the Ra RA Ra stuff.. just sometimes reality comes into play.. and its sad to see people run down these rabbit holes.. when those with decades of experience in the industry know better.. just trying to give both sides..   

He didn’t just answer my questions—he showed me how this game is played at a much higher level.

You avoid the tax hit, and still get the use of 75% of the equity if you do a cash out refi - (but high interest rates sort of play against that to some degree presently… but you could alway refi again down the line if rates dropped.  

But now with the joy and headaches of non-metered units, trying to wrangle 3 different set's of persons into playing nice, etc etc.. 

We could also play the present value to who game?

If your new servicer wants to play games, file a complaint with the CFPB and dispute with the credit bureaus.

I’d love to hear about the crime rates or any other issues (which we cannot guess from the online stats), and how easy or hard it is to find reliable tenants and property management companies.

You can also check their reviews online at Google, Facebook, or Yelp.

Use your skills to network with local investors and professionals by attending meetups in the Conroe and Houston area, joining online forums, and connecting with property managers or realtors.

Income-based valuation only comes into to play once you get into commercial property (5 units and up).