Originally posted by @David Krulac:@Ray Slack  It should go toward lien in a certain order, so if there are other liens it possibly will not be paid off. 

Time certainly flies by. 

As pointed out by others, the costs to refi along with the penalty, will take a very long time for you to break even.  

Here are my general thoughts (gonna try and approach as objectively as possible):1) Having a VA call for your CAN work, but a few requirements need to be in place: a) you need to have a proven system for them to plug into (solid lists, proven offer and results), too many newbie investors are afraid to call and think that hiring a VA is all they need to do.

You don't need an LLC to by a rental. 

You are making money on appreciation and debt paydown by doing nothing.  

I'm coming up on 2 years of income produced by the property, any suggestions on how to get a lower interest rate without using personal income?

My plan is to househack by staying in one unit and rest out other three.

Sometimes, we get buyers who are super eager to find their next short-term rental, and they might offer way more than a flipper would.

This downturn was really pronounced this year with most agents transaction volume down by 40% or more.