Now it's all Flat rates.

Have you looked into Free leads, like Foreclosure sales, Bankruptcy Filings, Divorce Filings, these are all places you can find leads for free by doing a little work yourself.If you want to fix and flip or buy and hold any properties, we can fund up to 90% of the purchase price, and our rental rates start at 5.3%.Hope this helps.

They receive a promissory note that outlines the timeframe of the loan with a specific interest rate.

You can also check meetup.com or search facebook for real estate investment groups, clubs, or meetings in your area.

If you were to pay your investors $8,000 in preferred rate of return of 8% on their $100k capital investment, the second year the capital account amount would be brought down to $92,000 right?

Do you participate in any meet ups or REIA's?

Should I consider refinancing to help decrease my monthly payment (my current rate is 6.41%), should I cut my losses and sell the property (which I’m hesitant to do bc I don’t expect to househack again), or is there any other route I can take?

Focus more on "being of value" to those you meet.

I meet the requirements, which are:1) More than 640 credit score. 2) No missed payments 3) No second mortgages 4) did not use a down payment assistance program to buy the home.

Better pricing as in fees or interest rate?