With my portfolio lender bank, they will let me slide with no appraisal and I'll be about to take out 40k additional, 4.375% 30 year, $500 total closing costs, bi-weekly, one point (I can do no points but the rate will be .5% basis points higher).

Real estate is a great investment vehicle, particularly from a total-return perspective so I think you are doing a great thing by looking to get into it.

Do you know what the total payoff is on the mortgage ?

Gross Potential Income or Effective Income / net rentable SF or total square footage ?

Basic details of the refinance I'm being offered:Interest: 4.5% up from 3.25%PMI: $0 down from $281Total Loan Value: $240,000Monthly payment including tax and insurance: $1,524 down from $1769I didn't catch the closing cost total, so I'll need to follow up on that.

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

I'm still going through the process but it should be about 3 months total.

My total annual return on this investment was 49% ANNUALLY (16% COC + 6% debt paydown + 27% appreciation).My advice for anyone who is considering to buy from a turnkey provider is to first, make sure you go with someone who is very reputable. 

They don't realize that they just totally undersold their home AND paid more than a Realtor would cost for full representation. 

Which one do you use to help understand total number of remaining payments?