Your payment will drop by ~$800 if you refinance, putting it in the black ~$300 according to your current P&L numbers. 

I am a father of 3, one boy two girls.

It helped me see it in black in white.But one thing was forgotten.  

@Walt Middleton if I were you, I would call Black, Mann & Graham https://www.bmandg.com/ They are a Texas law firm that specializes in mortgage docs etc. and we used to use them when closing deals in Texas.

Little did I know that the tips, tools, advice, and motivation from BP would catapult my family’s financial security the way it has.Let me paint the picture: Spring of 2016… I’m an extremely happy family man with a 3 year old son, a 20 month baby girl, and the most amazing wife (who was again Pregnant).

Something that I have noticed about BP is that people tend to be very black and white in terms of their plans and methods to reach their goals.

Imagine how messy your kitchen will be when black mold grows up there so rampant spores start to seep through to the dry side. 

If the other 75% hardly turnedover and you had a source of emergency capital in case of a black swan event, you could hypothetically invest those funds moderately aggressively to get a 7-9% return.

Have not looked into it but I be the AMEX black or titanium card may do the trick.. but you pay I think 5k for the privlage to have one of those..

I am a up and coming wholesaler.. up and coming meaning today...lolI have a wonderful husband two awesome sauce kids a boy 15, and girl 16..