@Brandon CroucierIf i refinance again wont the additional lender costs, fees and closing costs be more and add upI agree it's a declining interest rate environment but I don't see interest rates declining quickly.

With any tenant, treat them with respect, but if they are in violation of the lease for whatever reason, you need to tell them and if they don't stop, then get rid of them. 

We aim to create a harmonious living environment by adhering to all relevant laws and fostering a community based on respect, transparency, and continuous improvement.

I'd love to connect and hear more about your insights and how you're approaching investments in this changing environment.

Last, I want to call out that many investors, LP and GP, are losing in today's environment.

Also, improves your position in pricing should rent prices turn bearish unexpectedly during your vacancy time so you can be flexible in pricing in negative economic environments.Con's are more on the side of the whole concept of using the long term locked-in period with the bank essentially utilize inflation to 'short the dollar', as well as the more rapid diminishment of the mortgage interest paid tax advantage.All in all it is safer in a lot of respects to get to that property free and clear, but the major downside is missing out on the additional value that is derived from the power and monetary benefits that come from having a healthy expose to mortgage and other forms of financial leverage.

While I haven't invested with them, I've known them and worked with them since their respective inceptions.You might also want to check out Sunrise Multifamily who recently acquired one of Whitehaven's properties.

Here are a few considerations with respect to the 401k: 1) Although you can take funds with no penalty for first time home buyer, you can't return the money to the 401k. 401(k)'s have unique tax advantages that allow for tax-deferred, or in the case of Roth, Tax-Free growth.

But 4th, 5th, 6th, 7th, if done right, showing me serious, dedicated, INVESTED, well I think that would turn the tides and at some point I'd gain enough belief and respect for the effort, I'd give em a crack. 

I would assume there are some people on here who have gone down the path of developing affordable housing projects for their respective markets.