I can't say when that will be but 4.125 is quite a lot depending on the rate you get.I personally want a hassle free funding experience and the lower rate.

HOLD & REFI - The improved cashflow (I have one lender saying he could get me into a DSCR loan at 6.5% which would 3x my cashflow) is enticing, but I'm don't want to risk anything especially having been burned once and would prefer to be on the up and up. 

We have two young boys who also enjoy Japan and hoping we can all begin to learn the language and possibly enroll them into an International School during the summers.

This way you have a free or mostly free refinance from a cost perspective. 

Please feel free to DM me on here or shoot me an email.

In my free time, you’ll usually find me working out at the Y or hiking with my dog, on one of Nashville’s many trails and greenways.As a CPA with over a decade of experience in corporate finance in the insurance industry, I understand the financial side of real estate inside and out.

I'd love to connect with any of you so feel free to message me any time.

Feel free to shoot me a message.

Hey @Antoine C. shoot me a dm and I will send you our free guide to Memphis zip codes, it will help you begin your search!

When I have some free time, I'll research other options that won't cost a fortune for the small guy.