In addition to refinancing, DSCR loans, and cash-out options, we now provide our services for all property types, not just those from NetWorth.

Duplex have different zoning that may permit additional units.

Alternatively, in addition to the per diem in § 17 (Possession) for failure of Seller to timely deliver possession of the Property after Closing occurs, Buyer may elect to treat this Contract as being in full force and effect and Buyer has the right to specific performance or damages, or both.22.

Can you share some additional numbers about the investment property you're looking to buy?

If your wife and kids aren't moving in with you, then it's not your primary.

We were told the addition of any other pet-related up-front charges would likely not be considered favorably by a judge. 

Looking at this as a strategic addition to my portfolio.

The 2-3% points in extra cost are worth it if you plan on using as I described above because the use would be for a few  months at most and due to that short term use you can survive a rate adjustment up.But, if you have no plan to payoff the debt like when using for a down payment on a long term hold why pay the extra cost for flexibility and have the additional risk of the adjustable rate with the amortization looming when you can get a fixed rate second mortgage. 

Making additional payments or taking a shorter term are just depositing more into that savings account (it's not like the property appreciates more by paying down the loan). 

3) If we both die, will our kids have to pay tax on this refinanced money?