Honestly seems like a little overkill on this decision - unless its strictly a rate-term refinance because rates have dropped, it usually just should come down to a side by side comparison of status quo vs. refinanced (+ how any cash-out capital is deployed)

Why did the previous owner sell it for only $85,000?

Worst case is I can still rent them as furnished room rentals, or rent the whole house as a furnished rental Check your regulations before you give up.

welcome @Cam Caraher and congrats on joining BP, this place is the start for many, sure was for me longer ago than I care to admit.I'm not personally in your market, although was born in dorchester and grew up in NH, but this is a great place to meet locals.If you have not already a great starting point is the Meetups posted here, just search for your area and see if any meetups are happening. 

Although 2024 was generally considered a seller's market, based on what's going on in the new and the real estate market --- Do you think 2025 will be a buyer's market or continue to be a seller's market?

Quote from @Jay Martin: Has anyone heard of or used Bluebird lending they have dscr loans, etc. opened in 2018 in Philly, lend in a bunch of states, but hard to find info on them. have not heard of them but based on the website appear legit.

Here you go: https://dicksonlawgroup.com/practice-areas/landlord-tenant-d...The biggest difference between eviction attorneys is pricing.

If you haven't already check out the gifts Santa has left in the Resources page on Biggerpockets! 

interest rates going down, would increase demand for goods/services, thereby increasing inflation.That's the theory anyway, but supply side inflation can be plenty dangerous as well.I think the 2024 outcome will just continue to benefit property holders, if you already own, just sit tight.

In and around the Philly market, which is my home town, my contractor comes from a referral from a friend who worked with this GC.