They are able to make as many payments as they'd like throughout the month if that's better for them but they will need to make their payments for the current month in the previous month so that their balance is paid in full by the due date.

With tips, you could pay off the entire balance by March 31st. 

And, even then, hitting your rate target would still be extremely challenging unless you were paying points up front, in which case it would probably make more sense to just try to put in a bigger down payment (or pay down the balance if refi) instead and get better terms naturally offered at the lower LTV.

It would be pretty simple to find a mortgage loan calculator online; input the current loan balance; and modify the terms as needed.

By acting quickly and aligning efforts with Debra’s expertise, we achieved success with minimal challenges, showcasing the power of collaboration and decisive action.

The fact that you’re so close to achieving your goal is inspiring. 

I like both of your ideas so I would look for the single where an ADU is permitted or one with a dump ADU to renovate (that's best) and balance that against the purchase of a 2-4 unit.

Yeah my goal is around 30% but its hard to achieve, especially using a hard money loan.

However if I do a BRRRR I can achieve infinite return by extracting all of my investment.

It’s an interesting trend that benefits both the investors and the local population, as it helps balance the overpopulation of cities while preserving rural heritage.Another point you mentioned, about “not being for or against investing in Europe, but that it simply adds more elements to manage,” is very insightful.