Also,  when I handle a "multipack" of files the borrower receives a discount on total fees. 

Feel free to reach out if you have any questions!

Total Rehab What was the outcome?

One of which is owned free-and-clear.

Paying 2.4% for total closing costs (which include title search, title insurance, all attorney doc prep and recording fees) seems very reasonable given the relatively low $ purchase price.

But with the financed deal the renter pays the mortgage down allowing you to tap a percentage of the equity as a tax free loan.

I am assuming free estimates only apply to properties you already own.   

If you're just looking to lower your payment, then take the total costs its going to take to refinance (at the very least 5k) and then divide that by the monthly cash flow improvement you'll have by getting lower rates.

So 4 pieces total.

Or they may decide to move in and live for free for a while.