I wish I could refinance them at under 4 percent (or even 5), but when I have looked at consolidation, they just consolidate under a weighted average of existing interest rates, so the savings is minimal and then the debt is lumped into one big loan rather than a bunch of small ones that you can chip away at and reduce your monthly obligation as you go.

I am currently renovating this 2nd house: removed carpet and refinished original oak floors in walnut, repainted whole main level, gutted bathroom to the floor and joists, etc.

I had new paint made at HD from a paint chip of the existing paint.

I could have tuned it out of my head, taken the sale,  and let them deal however the chips may fall, if they did.....

My office was in Royal Oak for 3 years.

I live in Oak Harbor, WA and acquired my first condo this past August.

-Willing to travel up to 1.5 hours away from Los Angeles (Sherman Oaks, SFV)Thank you

Read the book he cites these types of examples and with practice you will easily arrive at a win / win.Good luck, Chip

In Royal Oak probably $15K+.

As Uwe K and Dawn already stated:~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Outside of city limits might have some strong interestFor example [ rough estimate ] : ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Franklin / Oak Creek lots minimum $79,000 -> peak of marketFranklin / Oak Creek lots lowest possible $57,000 -> today market