I cash out refinanced my primary in 2019 right at the start of lockdowns with the idea of buying a new home and rent my current.

This product does not consider DTI but rather the cash flow that the property generates.  

Why sell if your rate on the house is good and you could have two cash-flowing rentals there, the main unit and the basement unit?

@Spencer FeuerbachYou can't get the same type of commercial loans or cash-flow refinancings.

There are other apps too - cash app, paypal, who knows what else. 

Was he in charge of sales or was he a rehab manager, etc.  

It goes something like this.You find a commercial property for sale in a good location that’s currently vacant (so that you’re not paying for current cash flow) and that has an assumable mortgage at a relatively low rate.

I would consider cash-out, refinancing the deal, and buying out your brother-in-law.

Once the 5 years runs out you'll only be able to offset your cash flow with mortgage interest?

No investor cash paybackNext build I will infuse about 50K cash working on construction loan.