After all this is something that has to be paid and we don't recuperate it when we sell the property to an end buyer?

I was laid up recuperating from COVID pneumonia and my tenant's fridge supposedly died on Christmas Eve, four days after I closed on the place. 

Refinance.The whole process will take at least 6 months, so the delay is really not an issue.The appraisal likely will be higher than purchase price, and recuperate typically more than 90%-110% of capital.

The savings will only a few hundred a month and like Michael Seeker said ... you will have closing costs that will take you months or years to recuperate from your refi.

After 6 months of seasoning, i cash out refinance the property to recuperate my down payment and make a return on my investment.

It was there a month or two ago@Mindy Jensen @Joshua Dorkin @Brandon Turner @Scott Trench @Dave Meyer @Katie Miller @Allison Leung @Lauren Hogan  @Roger Metz   they are all recuperating from BPCON 2019  I bet you get an answer next week.. they need the rest .. !!! 

This couple continue to come back every other year as the wife is recuperating many years after the accident.

@David Adamolekun that a good rate in the low end of the spectrum.Commercial rates are going between 5.5+- to 8.75+-Compare the numbers: adding 5% to save .12% would take you 12.25 years to recuperate the extra downpayment. 20% down = $120,000 loan. x 5.62% = $690 a month + origination cost (2%) $250025% down $112,500 loan. x 5.50% = $639 a month + origination cost (2%) $2250$250 savings on closing cost. $51 savings on the monthly payment ($612 Year).totals cost of the 5% down payment $7750 Div by $612 = 12.66 years to recoup the extra 5% put down because the yearly saving is minimal.Now if you buy down interest points with your 7500 say you could get 4.62% it would take you 8.56 years to recuperate your $7,500 and save you $26,568.41 in the length of the 30 years.

They have a legal obligation to recuperate the money, so if there is not enough equity to get their money back and buy you out, then they will simply let it go.

So in essence with what you just stated above, I'm buying a house with no money down since I should recuperate my initial investment with the nonrefundable $25k and make a couple hundred bucks a month in cashflow for the remainder of the loan (17yrs until it matures) thus giving me an infinite cash of cash returnright?