If you are looking to refinance the rate and aren't concerned with taking additional equity out on your property, then you should use a rate/term refinance.

Additionally, the price point is still cheap enough to find the 1% rule and positive cash flow and there's amazing appreciation potential.

I sent you a message with an additional one.  

I am also a huge fan of real estate and for the past 50 years there's been a way to combine both.By leveraging a Self-Directed IRA, real estate investors enjoy both the traditional advantages of property ownership and the additional tax benefits of retirement accounts, creating a powerful wealth-building strategy.

But if I decide to pay an extra $2,000 per month, in addition to my (dropping month after month) minimum interest-only payment, when the loan is recast to principal and interest, the new payment will be based on the remaining balance ($396,000) spread over 25 years.

Yes, I still did my own due diligence but PPR saved me hours of additional research.Perhaps the biggest reason I ended up working with PPR is because of the BiggerPockets community validation.

Additionally, the STR market is quite oversaturated right now as well

Foreign nationals have the same rights to purchase real estate as German citizens, making it easy for Americans to invest in the German market without additional legal barriers.Furthermore, Germany has a transparent legal process for buying property, ensuring clarity and security throughout the transaction.

If things work out, we'd like to have at least 1 additional property before the end of the year and have 8 in 8 years.

Electric: is the easiest to split, but may require holes cut in walls to separate the units.Gas: gas lines aren't as flexible as wires, but it can usually be done affordably.Water: most cities will NOT install additional water meters on a property.