Quote from @Jaycee Greene: it all depends on the credit scores, but consumer mortgages tend to have lower interest rates than commercial loans.

It was written before the days of YouTube, so it's not full of the common nonsense where authors sell a course, send you to their website for downloads, or write a follow-up with additional "secrets" they forgot to put in the first book.Long-Distance Real Estate Investing by David Greene was another good one.

Quote from @Jaycee Greene: How are you going to figure out how much work a property needs from out of state? 

If your goal is growth, a refi now might make most sense, but only you can make that decision.I'll also second what @Jaycee Greene mentioned that most lenders won't go to 80% LTV on a cash out refinance. 

Quote from @Jonathan Greene: I believe in SLC, they are still requiring the owner to live in the main house (meaning you don't have to be there, but you can't rent it) for you to use the ADU for anything else.

Quote from @Jaycee Greene: Hey @John Tomassacci!

Sometimes it is just about timing and being patient.Lastly, echoing @Jonathan Greene - Don't jump at the first application PLEASE do your due diligence, call references, past landlords, etc.P.S.

Green with envy!

For example, I've had clients walk into homes with vibrant orange kitchens or neon green bathrooms and instantly feel overwhelmed.

Of course, with private lenders, you must give up equity or a return on the debt.I agree with @Jonathan Greene that the BRRRR market is difficult right now.