A good team will help you be more productive.  

See what products and requirements they have to get an idea of your options.

Insurance companies each have a formula they use to find the depreciated value of something based on age, product, how long that product is expected to last etc.

So you are right, and I'll correct my previous mention, the end product is convenient but not competitive.  

I'm not familiar with that process at all or if the VA even offers much in the way of refinancing products. 

@Drew Oberholtzer, Hey if you PM me;  I can send you information on our Portfolio loan product if your still in the market, thanks.

Many of these give sales pitches, gurus try to sell their products or mentoring programs, or someone tries to get you to invest in a REI Fund by a group of people pooling their money, for some REI and promising an unrealistic return.

I wouldn't even bother asking you for paystubs, because we aren't going to consider what you claim you make ($1.2/month), nor are we going to consider your stated YTD earnings (unless it indicates declining income).Ballpark, so as not to bore you with too much minutiae: We're going to look at what you told the IRS you made when you filed your taxes, and do a 2 year average (1 yr if most recent year shows declining income).

I would be interested in talking with realtors who work primarily with investors, wholesalers and or anyone who offers "turn-key" type products in this market.

We are reaching this facilities limits in terms of production capacity.