We have a few projects that you all may be interested in - happy to discuss further if you'd like to connect. drop me a PM and we can discuss. 

If you are $1,000 per month underwater, you probably need interest rates to drop 2%+ to decrease your mortgage by $1,000 monthly.

Wife dropped me off at ferry with luggage.  

The consensus seems to be that the Fed will drop rates by 1% by year end, which could allow you to refi in the near future, but there are costs involved in doing so.

Cash flow is around $550 to start, it'll drop to $450 I think.

Particularly in winter  All I know is we have never had a complaint about temperature.240VAC powered tubs heat up pretty quick.

If you think it's going to drop if the fed cuts 5-7 times in the next year, it might make sense to look at an ARM with a 3 year declining PPP instead. 

Was looking at projections today based on rate cut cycles and chances are we could see rates drop into the high 4's/low 5's in the next couple of years on average (that's based on previous cycles and a decreasing spread between the 10yr and mortgage rates). 

Or as rates drop, refinance into a lower rate. 

Guests want to come by early, surprising my cleaners or wanting to drop luggage off early.