True-Up & Billing Cycle ChangeSince you were underbilled before, your current bills may reflect actual usage rather than an artificially low estimate.The switch from bi-monthly to monthly billing means your payments are more frequent, making the cost feel higher even if the overall rate hasn’t changed.2.

But guess what, rates WILL drop in the next few months/years and most markets will explode after that IMO.If I had 25K I would look into B or B+ (specifically with schools above 5 greatschools rating, and moderate to low crime rate confirmed by heat map and frequenting businesses there) areas within 25 minutes driving distance from my home for a SFH. 

I did lock in a decent rate, so that is in my favor.

Yes, I am aware that the current rate is way under market.

I am trying to figure out if this is worth pursuing: 2021 build3 bed 2.5 bath 1 den Fenced in pool40k down40k ballon in 4 years 0% no payments Interest rate 3.125%PITI - 2961BALANCE 418000Estimated value 495000rent estimate 3200 You don't want to learn how to analyze it.

Loans Not Owned by Freddie or Fannie If your loan is held by a private lender or another institution, it’s important to evaluate the interest rate.

I can buy down the interest rate.

With current interest rates (at least in Canada and guessing the US is similar), you'd be further ahead investing that money elsewhere and continuing to let the tenant pay down the mortgage with their rent. 

The property is located on St Augustine Beach and other STRs have high occupancy rates, solid ADRs and are very profitable when managed correctly.

Interest rate- prime plus?