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Speaking to a lender that helps you think about future plans and thinking about when/if you may do another refi should help you determine if you should pay points on this refi or not. 

Let me know if there is anyway I can help

Are there any hard money lenders or alternative solutions that could help navigate this dilemma?

For fix & flips and rentals, what creative strategies have helped you close deals?

@Nikki Nicole Detroit is amongst the national leaders in appreciation and growth.We have the goal of helping OOS investors make the right decisions when investing in Detroit!

As long as the income covers the loan payments, you can continue adding properties to your portfolio, helping you achieve your real estate investment goals faster.3.

ADUs can provide additional rental income, which can help offset mortgage payments or other expenses.Extend your homeowner's insurance to cover the ADU.Be prepared for potential increases in property taxes due to the added living space.Given that your property is not in a dense urban area, make sure to check specific local regulations as they may differ from city regulations.

BP has various tools to help you analyze your deals (rentals, flips, wholesale, etc). : https://www.biggerpockets.com/investment-calculators7.

I want to sue these neighbors so bad but will that help my situation in time?