He is good for the basics like money management and not being stupid with your finances. 

I would like to think it is worth it, and that I could run a business model that serves fewer customers really well rather than deliver basic services at scale.  

Someone might be willing to purchase with negative equity if they are able to take over your <4% rate with basically nothing down. 

In my mind Henry counslers who are just talking about a snowball to clear debt ( super basic concept) would in no way have the credentials to deep dive into these alternative asset class's and give investment advice on them..

Basically, if I want to keep the loan the new rate is 7.375%.

The concept isn't that complicated and the first one lays it out pretty well. 

I am basically counting on the values appreciating over the next 2-3 years and possibly refinancing it later.

There are a few others here on bigger pockets who have endeavored to do so and can attest to this  (but I will not name them).Basically AHP bought 1000s of low value non-performing loans, these require the most oversight mainly due to the condition of the properties. 

First, I'd suggest getting familiar with the basics of real estate investing—property types, financing, and market analysis.

In fact, Flagstaff is affectionately called “poverty with a view” because it’s expensive and super pretty but the main industries are basically just NAU and tourism.