I have 2 cars that we are trying to exclude the payment from for dti ratios.One was owned at $852 monthly payment (this was refinanced to remove borrower from the loan)this one is giving me a problem because they are asking for payoff but honda is saying they take up to 10 days to be able to send it.Any guidance on a way to get this closed sooner would be great, seller is on a tight timeline.Second one is a lease that we have had approval to terminate (for $2600 fee) and then that one would be excluded.

This could mean refinancing the property since the record owner has changed as well.

If you bought down the rate it would take longer for the market to improve enough to make refinancing worth it for you. 

This past week I've invested some hours after my 9 to 5 (between putting the babies to bed and my own bedtime) into a tool that would help me understand the impact of refinancing, depreciating or selling my LTRs.

This is the difference between your home's market value and your outstanding mortgage balance.Interest Rates- Compare current mortgage rates for cash-out refinancing or home equity loans.

You don't have the benefit of maximizing cost segregation, long term capital gain, 1031 exchange, refinancing / lending, passive income vs regular income, etc.  3. 

If you plan on refinancing it in the short/long term, perhaps taking the higher rate and take the $2300 so you can re-allocate the money on your repairs or closing costs for the refinance.

.- Refinancing is starting back up again.

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How long do you plan to be in that loan before either refinancing or selling.