Ice cream is pretty seasonal.

Just wanted to get some opinions on what you guys think about refinancing my duplex.ARV 250,000$Mortgage Balance 201,000$Currently have 30 year loan w/ 4.25% I’m seriously considering to refinance to a 20 year these are the benefits-loan at 3.35%-shave off 68,000$ in interest-shorten length of mortgage by 8 years (I’ve owned for 2)- be debt free sooner than laterThe con would be -pay an approximate extra 150$ per month-5,500$ in closing costs (the closing costs can be worked into the new loan)I cash flow the duplex right now at 550-600$/month, refinancing would still allow me to cash flow just at like 4-450$/month.

@Remington Lyman I’ve seen you on the off market and cream pages.

When I went out to inspect, found he didn't have the energy to shave and get a hair cut either.

MLS data is the cream of the crop, but you need to be a realtor to subscribe to it, and it costs money.

You may not go through them quickly, so a cream color may be a better investment.  

And shave six ways from Tuesday, guys.

I would do the following:Improve credit score to get the best ratesBuild a strong relationship with your lender(s)Have a solid cash reserveIncrease all credit lines/limitsBut I don't think there's much he can do now, most of the above takes years to do. 

If you could shave off a point, that would certainly help with cash flow.

I keep reserves as current expenses, so there is room to shave expenses to extend the cash reserves.