This will put you into your 50s.If you feel it will be a slow transition and you plane to concurrently carry your current source of income, that will eliminate you free time and add stress to the family dynamics and your health.In the next several years, the most crucial child development years in my opinion, you will not be there for your kids ...

Would refinancing now to simply gain a point (if that) on my current rate affect my ability to carry out one of these other strategies in the next year?

You go to account and profiles and create one, your friends don't carry over to that account unless you add them but they can see what you post publicly if they look.

Understand that private money lending carries risks, including borrower default.

But.... don't get carried away.

One of the largest competencies of REI is scalability through other people's time (OPT), often times carried out through PMs.If your goal is to own a smaller portfolio, then perhaps doing your own property management makes sense.If you want to acquire medium to large scale apartment buildings, then you probably won't even get a loan from a commercial bank without proof of using a PM with a solid reputation.

I usually got 8 to 9 on the seller carry.

Usually higher returns carry much higher risk.

I've only come across a couple 401k plans that allow you to carry the loan and continue making payments after you're no longer employed with that same employer.If you don't repay the loan, then it's counted as an early distribution.

I’m doing one now where cash flow supports 80% and a 20% seller carry and my bank is cool with it (but that’s not the norm!)