If property appraises higher, we can take more cash out)$1,736 / month (principal and interest) About $8-9K Cash Back (with all fees below and estimated escrow reserves financed in)$11,824 Discount/buydown Points$1,295 Underwriting Fee$920 Title and Escrow Fees$175 County Recording Fee$530 Appraisal (if required, is the only upfront fee since the appraiser is a 3rd party)Option 2 - 2.599% - 30 Year Fixed - Rate and Term Refinance (No Cash) - Lowest Monthly Payment2.599% Interest Rate with 3.37 discount points (discount points are a pre-paid buy down on the interest rate over the life of your loan)$1,625/ month (principal and interest) Loan Amount $406K (with all fees below and estimated escrow reserves financed in)$13,682 Discount/buydown Points$1,295 Underwriting Fee$920 Title and Escrow Fees$175 County Recording Fee$530 Appraisal (if required, is the only upfront fee since the appraiser is a 3rd party)Option 3 - 2.799% - 30 Year Fixed - Rate and Term Refinance (No Cash) 2.799% Interest Rate with 2.075 discount points (discount points are a pre-paid buy down on the interest rate over the life of your loan)$1,647/ month (principal and interest) Loan Amount $401K (with all fees below and estimated escrow reserves financed in)$8,321 Discount/buydown Points$1,295 Underwriting Fee$920 Title and Escrow Fees$175 County Recording Fee$530 Appraisal (if required, is the only upfront fee since the appraiser is a 3rd party)Thanks for your opinion! 

If you ran the one for the new spouse you can do the same for the existing party.

A lease (like any contract) can be renegotiated if both parties agree to the new terms.

I would like to work my local market in California but what sellers ask for doesn't seem to leave me with any working deals and working direct to sellers/buyers out of state has its limitations.Would you advise to persevere in California working direct with parties or taking the virtual approach in a different market?

If your funds are from a third party, then you'd need a letter from that party outlining what they are providing you with, and if they have no official standing (like a bank), from where they have the ability to offer those funds.

Never hurts to have a 3rd party document damage.

The crazy part is the guy was actually referred and is somewhat reputable from my area (not some guy from across the country).

And yes, I have had some dog issues or loud party issues here and there, but I take care of it immediately. 

It is a way to have your money work at two places at the same time, and on top of it you get financial protection for your family.If you use a third party lender, you can get arbitrage on the loan rate vs the policy rate, and you can also deduct the cost of the interest as investment expenses.It is a long term play, as the front loaded fee will need four to six years before you get ahead of investing without the use of a maximum overfunded permanent life insurance.For whole life insurance, there are mainly four companies that I would recommend. 

Is your lender or other party an Additional Insured?