@Skyler Lehman assuming you're asking about 1-4 Family (SFR) or small MF.Fees average out to 10-12%, once you take into account all the extra/hidden fees.Don't be fooled by 5-6% quotes!

What does a borrower need to provide a lender to refinance a owner financed mortgage note?

Quote from @Liliana Bennett: Simon provides a good list, but that doesn't mean every PM performs all those tasks.

I'm afraid if a recession happens, I may get stuck with 2 unemployed renters and have 2 extra mortgage payments that I can't afford.

Most of them are $10 or a bit more with extra digital items included, and it's very easy to add your info, brand the colors and then upload it to Dropbox.

But due to the above factors- we're still in a hot and heavy seller's market, with no real relief in sight for buyers (add to that, with the new Burnett / National of Realtors settlement, they will be squeezed even further, having to also potentially shell out their Buyer's agent fees, which, traditionally, have been added into the seller's listing price before listing to provide to the Buyer's agent).

My realtor is also exploring options with their legal team, but extra insight is always appreciated. 

If that's what you really want, maybe a friend or family member would enjoy making some extra money.

I've started cold calling local hospitals and larger businesses trying to see if I can secure a contract to provide them with a place to house their traveling professionals so more to come on that. 

However, this home is located in a market that has enjoyed significant appreciation over the last 20 years and has seen significant investment in recent years to provide strong additional appreciation potential in the future.