Some options are:-No point - rates at 7.75%-Can buy down to 6.99 but cost 1.5%-Wait till next year or later when rate goes down.I also have to bring the LTV to 75%.

Even then the rent only goes up a certain percentage of the renovation costs.

They're free.

Anyone that has experience feel free to drop me a line.

I'm gonna have someone to give me a quote on trenchless sewer re-lining on Tuesday, and I'm probably gonna get more bids for trenchless bids since it could probably be the only way to go besides repiping the whole house which cost significantly more for cast iorn sewer lines.

Check out FilePlace, where user-created forms are available for free.

It varies by situation, but a couple decent benchmarks are if it improves your rate by 1% or more, or you recover the refi costs in two years or less.

I estimate from the monthly payments that I probably at least was paid back the amount I gave him, but really no gain for me in that sense, almost like an interest free loan for 5 years. 

I mean think about it they make 10k for giving out tools that can be gotten many places for free and rehash old ideas etc .. and then you dont need to fund anything and take on risk. 

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