And then get to a decision quickly.

I think the decision to seek cash flow over appreciation can be misguided because the best looking cash flow won't stay that way.

It’s things like that which make this decision more than just a legal one-it’s about how organized you can be.Something else to consider: lenders often want you to personally guarantee loans, even if the property is in an LLC.

That means making calculated numbers based decisions, not emotional ones.

They're shady builders with poor quality construction.

You want an accountant who can help you strategize and who is responsive when you want to know the consequences of the financial decisions you are making throughout the year.Good luck.

Here are my thoughts about your decision to refinance.Process:Understand your current loan terms.Check your credit score.Compare offers from different lenders.Get your property appraised.Submit your application and go through closing.Considerations:Current interest rates vs. your existing rate.Amount of equity built in one year.Closing costs and fees.Your long-term financial goals.It's a complex decision, so consulting a financial advisor or mortgage specialist might be helpful.

You’re not at a real decision point today, so buy yourself time and see how long your luck will last.

This will cost time and money and can be just as difficult as moving away from home.If you want to make it you'll need to do some hard things and make some hard decisions.

We're good at what we do, but we don't do what we don't do and will tell you where the line is so you can make the best decision for you and your family.