Compounded daily, it's costing us roughly $1,000 a month based on our outstanding loan balance.

She does an outstanding job keeping units rented and minimizes tenant turnover. 

Your damn right flippers, or anyone for that matter, run into this kind of stuff.

High credit outstanding within a year, say $5,000.00,  at application it has a zero balance, say terms of that card are 3% of balance out standing, then it would be:$2500 x 3% = $75.00 payment computed to the debt ratio.This is because, under prudent LOAN underwriting, it is assumed if the account is open, it will be used.

High credit outstanding within a year, say $5,000.00, at application it has a zero balance, say terms of that card are 3% of balance out standing, then it would be:$2500 x 3% = $75.00 payment computed to the debt ratio.This is because, under prudent LOAN underwriting, it is assumed if the account is open, it will be used.

That is pretty damn good in my opinion, and on top of that other people are paying the mortgage on the duplex so in 20 years it will be 100% paid off

I thought about that after I posted--it is buying me that, it just costs too damn much.  

Add in 8% for Property Management and another 2% for those damn incidental costs we slice off a hefty $5,319 Dropping free cash flow to $7071 or $147/unit/mo!  

And when you live off just say 10% of what you make...damn...you cannot do anything but get richer, irregardless of economic ups & downs (with exception to maybe the great depression).

The outstanding loan amount is $160k and the property is worth more than that (this info is not really pertinent to the question).The question is: what is the best/safest way to do the transfer without spending more money than necessary?