This savings could translate into a higher return on your time since if you paid back your 49,200 and only have 20k left @12% interest lets say your month cost to hold the property is not substantially less in the absence of obscene closing costs or points.Option B:This may be an investors dream cash back 45k in your hands and a property with no skin in the game "infinite return," assuming you still cash flow with 120k of leverage on the property.A tenant would be paying your mortgage, taxes, insurance, and etc while you've retained the property, received 45k non taxable proceeds from the refinance since the asset has not been sold, and potentially making some income each month if the numbers work.120k @30 year fixed 5.625% is only about 690.79 per month and taxes and insurance I'd wager (depending on state) is probably 130 more.

In fact, we're re-financing it and pulling out enough to cover what we put down on it + the air conditioning repairs so technically we're operating on infinite returns now.

In other words of infinite return on your money.3.

With all you investment back you are now on the infinite return club.

In the real world, zero debt is an asymptotic case -- one penny of debt is infinitely more risky than no debt.

A standard contract with no anti-assignment clause can be assigned an infinite amount of times.

You'll come across all walks of life and an infinite number of motivations.

In fact, with the no money down techniques, your return can be infinite because you don't have any of your money in the deal.Mike

There is not enough info to provide a useful response.If I put nothing into the deal and hold for a period where the value is rising then my returns are infinite.

Congratulations and welcome to the world of infinite ROI. 8.