@Charles Patterson out of curiosity, what is the reason that you are thinking that you will need investors or private lenders?

Out of curiosity, when the neighbor informed you was their attitude "just think you ought to know" or "we really don't like this"? 

The ~$145k in interest payments ($475k-$330k) is accrued over a 30 year period, and is not created on day 1 of your mortgage schedule.Note that you will still have a hefty interest accrual over a 5 year period.

From my experience those companies just say that you need some, put some in, and that gives them a chance to get a $100-500 padding for profit with little ability to verify what they've done in most cases.So Cara, out of curiosity, have you gone with a home warranty?

Others will be a balloon after X months, in which case you'll have to pay it off along with the accrued interest.

Out of curiosity, why are you not looking to invest more locally? 

Greetings,   My curiosity, as an investor, is it considered advantageous to partner with a licensed agent?

@John Horner  out of sheer curiosity what does Podio do.. and how can you have 20 apps running a company..

You dont want them to accrue interest and late fees etc...

I’d say it depends on what your next move is- if you need the cash from the equity to rehab a big money maker or for a non VA down payment then cash out, if you’re just looking to keep cash flow while accruing more equity, then refinance.