We try to reduce that down to make it a profitable investment for our investors. 

Will use my lender Ryan Deasy at Capital Three Sixty who has already done (or in process of doing) 7 other loans for me including a 3 property portfolio refinance.

Including buyer agent commissions in financing deals is crucial for keeping the dream of homeownership alive, especially for first-timers.

My thought was to block Saturday check-in/check out up until a few days before that date, allowing me to capitalize on bookings that may include the Saturday.

These loans take more time, require more docs etc. 20% down requirement (you are closing one time for the construction -- includes land -- and the permanent loan).You could expect rates in the 11-15% range for HML/PML.

To me, the question isn't "stocks or real estate," because a diverse, recession-resilient portfolio includes both.

With a better credit score and improved financial situation since buying the home, you may be able to qualify for a lower interest rate, which could significantly reduce your monthly mortgage payment.Rent out a room: Since you're interested in purchasing more properties to rent out in the area, consider renting out a room in your current home to help offset some of the mortgage costs.

This could temporarily reduce or pause your mortgage payments, providing significant relief.

Instead of just including that, I offered to rent it for an additional $200 per month.

Recasting generally means making a lump sum payment to principal, which is an effective way to reduce your monthly payments.