I have a question for all the mtg broker folks out there.I have a primary mtg of $400K (fixed, 25 year @ 3.875%)I have a home equity line of $200K (variable at 3.25%)House will appraise for $900 or more (have refi'd 3 times in last 3 years and appraised at full value every time)I have absolutely stellar credit ~750I am employed and have a high incomeMy mortgage broker is advising me to refinance my primary mtg to 3.5%.

We discussed this option, but he also plans to continue his current employment situation for another five years or so, and I don't think the company 401k has an option to roll into a self directed Roth (I think the only way he can do this is to leave the company earlier than planned.)

Decent-sized local employers?

I'm using the Allure Traffic Master brand that is supposed to be the most durable.

I started flipping properties while I was employed full time so I could build up the capital to quit.

I do not agree with the suggestion that you should do a "pre-walk through," as many tenants, at least where I am currently employed, do a fantastic job of cleaning their apartments, and sometimes hire their own apartments to be cleaned, carpet cleaned, or paint.

Recent grads are also having a harder and harder time finding employement, many of whom are piecing together part time, seasonal, and temporary work.

No Employment Check.I can do this works very easy.

If the landlord wants to place tenants every time there's a vacancy, my recommendation is that he not employ my company, period.

Not paying another company's overhead or profit, which would significantly impact labor to materials ratio.I use all subs...That said, if I had employee labor, I'd have additional overhead for employment taxes, liability/workers comp insurance, tools, vehicles, etc.