Free rent!

Your mom "bought you a house" so you are currently living for free.

Ultimately, I decided the risk of dealing with the bed bugs and dog incontinence was too risky and didn't feel they would be there long term.  

I use my Feelings.

@Wayne Kennoff- thanks   1) getting a personal referral is a good place to start 2) if you have narrowed down the options to a few -  contact both on the same  days and ask them for whatever  quotes  for your scenario ...ask for a loan cost worksheet  if  possible .  ...if their pricing ends up being  the same - make a decsion based on the  feel  for  cutoner  service you get when communicating with them.   3)  make sure they  disclose all the fees  related to the  refinance  ( not just their  own fees ) ..4)  reviews are   hard to  use to make a decision ( as you found out ) 5) rates are pretty high right now for rental  properties ....if you can wait to  refinance - you might consider doing so ...if you need to refinance - so be it ...Good luck 

Have 2 never took course , any courses are just another way for people make money of you for information you can find free.

Agents who have experience in the industry will be able to help guide you and prevent a lot of mistakes.Feel free to send a message with any questions or to share more about your specific goals.

A tenant who pays late every month eventually doesn't pay then lives in your rental for a few months free.

@Daniel GrimsleyEvict asap - never let a tenant go that long as they will feel entitled

We have a no-questions-asked refund policy for membership dues, so we'd love to have you come and attend a club meeting or two, see how we're vetting deals together, and if you decide it's not for you, you can leave the club with no hard feelings and a full refund.