@Mark Sullivan if you are a buy and hold investor these loans work great.

the rest of the loan payment right now is coming back to you eventually. 

*Aggressively paid down debt, focusing on loans with the highest interest rates and lowest balances that could be paid off the quickest, converting debt to cash flow.

But because it is built before 1960 banks do not insure it as it is(not renovated) for earthquake so they do not grant me a loan even though my payslip is quite good 

Make sure to provide clear disclosures to the seller about the risks involved, especially regarding the existing mortgage staying in their name.Insurance Considerations – You’ll need to work with an insurance agent who understands sub-to deals, as the lender might require a policy that keeps the seller as the named insured.Due-On-Sale Clause – While banks rarely call loans due, it’s still a possibility.

I got the loan.

Im trying to force the appreciation to do a cashout refi and pay of the entire loan and pull out possibly 100k.

They've even called my mom who we don't live with anymore (but lived with at the time we applied for the loan).

Went on to purchase additional rentals so tenants can pay down the loan and I build equity How did you find this deal and how did you negotiate it?

.✔ Potential changes in loan terms – Depending on capital market shifts, interest rates for real estate investors may become more favorable.3.