They were chroniclaly late and behind on their 5.125% interest rate $363K 1st lien FHA Loan obtained 6-14-2018 which had paid down to around $318K.

As rates rose and financing slowed down I thought back to wholesale land flipping.

Using the rise in equity to cover the 20% down when I convert the va to convent.

Our typical client is a very savvy professional and not a get rich quick mentality with little down so they expect backing and Wen have provided it.  

I wanted to use va again for 100% financing as capital for down payment is my only hurdle .

As you no doubt have experienced, the cost of living continues to climb, and even though we do our best to be efficient with keeping expenses down, there is no way reduce those costs back to what they were even a year ago.

Then we want to buy another duplex with the same price and a 5% down payment under my mom's name since she will be living in 1 unit and rent the other unit out.

PURCHASE PRICE AND MORTGAGE: I purchased the property for $270,000 put 25% down, and it appraised for $290,000.There is a complete identical property to mine directly behind my unit and it sold about a month ago for $280,000 the same day it was listed.

@Brandon ArnettGreat answered the question you need to ponderThe other thing I will add is by paying it down will you sleep better at night?

Sit down with a few loan officers and see what they have to offer.