Changing anything takes time in reality.Considering opportunity costs should only be something you look at in making a loan, what else can you do with that money.....after the selection is made, you're splitting the hair on a fly's back just a waste of time as there is nothing you can do after it's made.I'd just select a rate and leave it alone, let it ride, might consider a 15 year amortization.

He said to me, "Son," (I didn't have gray hair back then) "Let's do this deal the way it is and move on to the next one.

I guess in regards to the loan required Im trying to see what calculators I should be looking at, the payments are a hair of $90,000 annually and like I said I do not even want $1 for myself until its paid off, Im doing fine right now as is but would like to buy this and pay it off as fast as possible.

Well...since we seem to be splitting hairs, if the sale precedes the tax due date, why would there be a tax lien?

It's in between Edgewood and Pinecastle (Would be off Oakridge and to the West of Orange by a hair).Asking price is $96.9k.

Account Closed  out here its not customary ( west coast) to engage an attorney for real estate closings unless its a super complicated transaction... you have your commercial broker ( usually extremely knowledgeable) and your Escrow officer at your title company ( most with extensive experience).. only time we lawyer up is usually in a dispute type deal or a deal that has a ton of hair  on it...

This is especially true if it is going in an escrow account or some such.We are really splitting hairs at this point.

In nicer areas like the one you posted target a buy of a hair under or around 40k and you’ll be fine.

It's still a cash-out refi, so your rate will be a hair higher than if you did it at purchase, but it should otherwise be easy.

If there are assets on the books with hair on it like those mentioned, bulk selling those assets becomes attractive to an asset manager.