Then we keep the accounting straight via Quickbooks with each unit a different Class.

The financing and management of each are very different.

Now we are mostly scaling our business with larger communities but I've used many different creative finance strategies including seller finance, private lending, hard-money, collateral from other properties, and lease-options. 

But as for the seller finance, would the loan to the seller be the difference between 450k and the refinance number of 220k?

From there every 20 point increment affect pricing differently.

The increased cash flow would make such a substantial difference in your daily life that not paying it off would be foolish.Outside of that, I can't see many reasons I would take a 15% tax hit to save 4% on a mortgage, which is really only effectively about 3-3.5% depending on your tax bracket.

That is treated differently by state.

I'm looking for Propstream, does it have different post cards, like deal machine???

Though it wasn't what I planned or expected, just glad its over and was able to move on to different project.

So, when investing in areas they don’t really know, investors should research the different property Class submarkets.