Figured if the money is going to be spent anyway on bills, might as well take advantage of the perks.This may sound a bit more simplistic but we throw all of our change into a jar and at the end of year we roll it and cash it in at the bank.

@Jim K.Agreed 110% Why allow another hand in The cookie jar especially if they did nothing ?

Also if that someone does miss something that's discovered during an audit, they get fined and not me (obviously a pattern will result in a severed relationship, so I keep everything compliant to the best of my ability so that final QC/compliance package is a slow ball I'm pitching their way that they can knock out of the park).it only works if your like me a commercial ONLY mortgage bankers who is not doing all the CFPB stuff.. we just have to do a quartly mortgage call report on NMLS which is pretty basic I know this because even I can do it.. at least with the help of the help line.

@other veterans: I'm also looking for multi-family (duplex to quart-plex) in the same markets (Houston/Dallas/San Antonio/Austin), I would very appreciate any pointers/introduction to good brokers in the area.

I'm just always reading stories on here of people refinancing for under 5%, so when I heard 5.75 it was pretty jarring.

Jarred

@Jarred Watley based on the HML's ARV, this isn't a good deal at all. 

A bit of advice:  Just make sure all the shackles, gurneys and formaldehyde-filled jars with unrecognizable body parts are not visible, and all bloodstains have been removed. 

Jarred

I feel like a kid in candy jar.