I would rather pull them myself as I believe it would best improve my knowledge of the area.

I have one property that I bought last year for $475kCurrent value is $520kInterest rate 6.75%loan amount is $352,000 (I put 25% down when I bought it)Monthly P/I escrow is $2680Rents for $2400im debating putting 100k on the loan and recasting it. this will lower the payment roughly $650 a month and will make it cash flow.

To address this, we agreed that I would work in the business for six months to verify the financials, which so far align with his POS system.My main issue is that at 23, I don't have strong financials to get a conventional loan at 75% LTV with a ~7% rate, and the seller's lack of financials complicates bank approval.

I paid the loan off in full earlier this year and am now under contract to sell, with the closing date upon us.

@Martin Yip Toll SoTypically only homes assumable are VA loans which you would not qualify for

Obviously you want to avoid paying interest when you can, but you could see some improvements to your score by showing a small balance. 

VA loans of course being an exception!

No investor cash paybackNext build I will infuse about 50K cash working on construction loan.  

Some articles indicate that as many as 42% of those who actively use the BNPL purchase option are either behind in their payment or behind in other payments for other obligations.Even though this is not something being reported to credit agencies, it could be something that starts popping up on loan applications as the amount of "phantom debt" in the system continues to grow. 

Lately, we’ve found a couple large national HML’s that have good terms, very deep pockets but won’t allow 2nd position loans.