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

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?

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

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

Plus, owner-occupied loans get the best terms, making it an easy entry point.

Successful flippers are:- Building relationships with reliable contractors- Ordering materials well in advance- Being strategic about which renovations will truly deliver ROI Regulatory EnvironmentRecent changes to Phoenix building codes have emphasized:- Stricter energy efficiency requirements- More rigorous inspection processes- Additional permits for certain types of renovationsBe prepared for longer permitting timelines than in years past.Financial ConsiderationsThe financing landscape has evolved significantly:- Hard money lenders are offering more competitive rates (7-9%) than the 12-14% seen in 2022- Several Phoenix-specific investment groups have emerged that pool resources for flips- Traditional lenders now offer more renovation loan products tailored specifically to the Arizona marketThe Bottom LineThe Phoenix market in 2025 offers solid opportunity for house flippers who approach projects strategically.

What is the purpose of the two million low-interest loan to Seminar Solution LLC?

Principal Paydown- If your loan term is say 20 years. 

Given that I'm a new investor the loan/mortgage are in my name.

Another way to say is that what is the value of the property (today) compared to what is owed on the loan?