the rest of the loan payment right now is coming back to you eventually. 

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

It’s a good reminder for landlords to stay adaptable and ready to respond to changes in rental demand.As an experienced loan officer in Georgia, I’m happy to help both buyers and sellers navigate this competitive market.

You could house hack by purchasing a small multifamily with an FHA or conventional loan, reducing your living expenses while building equity.

I want to be able to do a cash deal to get a lower price and avoid all the cost that go along with a lot loan, fees, points, etc.

If you're using a DSCR loan to purchase the home, most lenders use the lower of the lease agreement or 100% of the market rent from the appraisal form 1007 to determine the DSCR.

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

If you have any loan questions feel free to reach out. 

Once you’ve built capital, transition to small multifamily units using DSCR loans for steady cash flow.If you need help analyzing deals or securing funding, let me know.

Maybe the 2017 tax and jobs act gets extended, but either way, if tax savings is the primary motivation, don't do it.