This can be achieved through a process called "note selling" or "note assignment" to a note buyer (investor).The terms of the note (interest rate, monthly payments, duration) are crucial as they determine the value of the note to the buyer. 

A local credit union or bank like Pima Federal Credit Union will probably give you the best rates.

Trust me on this one, just take a look at the skyrocketing insurance rates in those regions.

On top of that, many companies are moving to using credit as a rating feature in their alga-rhythms.

Values dropped by 55% in my area (Phoenix) and there was no way I could sell these properties. 

Now other 2/2 in the neighborhood are running Rent rates of $1100-1150. 

I'm finding some listings on a popular realtor mls listing site (not sure if I'm allowed to say which one here)  that have a box on the listing which states "Assumable Mortgage" and has a "learn how" button, when I click on the button it says: "This home has an assumable mortgage"  and it lists the current average interest interest rate for April 2024 (7.00) for a new loan vs.  

They were chroniclaly late and behind on their 5.125% interest rate $363K 1st lien FHA Loan obtained 6-14-2018 which had paid down to around $318K.

After this additional deposit, your security deposit balance will be $Y.Even after this increase, I know your monthly rate is still well below the average market rent for 1-bedroom apartments in [CITY].

Obviously this doesn't make a lot of sense from a cash flow basis but if we were to refinance it later on at a lower rate, after we do some upgrades, that could significantly help us but the reduction in cash flow is concerning.If we take the equity out and truly Brrr it, then we are doing better because we avoid the lower value mortgage but can finance at a higher level after reno.