Also never pay any upfront fees and go with a trusted lender who closes through a title company. 

Your first year will be a learning experience, you will want to be close to the action, as you may not have the capital to pay someone to handle everything.

I think I'll have to wait 2-3 years to pay for the renovation unless I take out a loan for the shower renovation.

Also, the credits are "use them or lose them" - meaning, if you pay $12k a month for a 100,000 skips, then you have to use them all that month.

You can't actually pay it off directly because they've been securitized, and the people who invested in those securities did so because of the specific certainty of the payment schedule.What you do in a defeasance is use the proceeds of the sale or the funds from your new lender to purchase treasury bonds that are packaged to make the exact payment amounts and timings on the remaining term of the loan, and then assign those bonds to your old lender.

Is there anyway to defer taxes on selling a business or do I just have to suck it up and pay the capital gains? 

Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!

@Devin James Another option to consider is to pay the seller a bit more but receive a lengthier settlement period.

@Pedro TorresBRRRing OOS - it can be very dangerous:(Too many newbies take contractors and agents at their word, when "trust, but verify" is extremely important.You should try to plan 2 trips for a BRRRR:1) Initial walk-thru with contractor(s), which you should video for documentation & accountability.2) Final walk-thru BEFORE paying out final amounts to contractor(s).

You have no foundation at all, but he wants you to pay and sign up?