Verify the interest rates and terms of the existing loans, as favorable rates can be beneficial, while higher rates might prompt you to consider refinancing later.Assess the condition of the properties thoroughly, especially since the owner is "done with them," which might indicate deferred maintenance.

I could only get 1 DSCR lender to do 1 of my SF properties due to the low ARV, the fees and interest rate are absolutely not worth it.Are you bundling properties together when refinancing? 

FYI there are also products to remove stains to where you place it, leave it, and practically peel it off like school glue once it's ready to be removed.

@Imdhadur RahmanBest I’ve seen is 15% down, and you pay more in rate as a result of the down payment.

The math behind is like this 175k loan is roughly mortgage payment of 1408 per month ( This is with 9% interest rate, DSCR tend to be 1-2% higher ) + insurance and Taxes.

The issue with high interest rates is they are even higher for foreign investors.

I aim to refinance the loan under conventional investment terms to avoid the high interest rates associated with hard money loans.With an excellent credit score, securing a loan shouldn't be a challenge.

Newer company, many times these companies come out super cheap and then when they become unfprofitable then they will re-rate and match the rest of the market.

I would need to know quite a bit more info to help you with any advice;-Current rate?

I didn't realize I am back in high school?