I like to keep things simple.

Seems like we might be missing some key info here.

Its like asking whats a better career for someone who you know nothing about and they say they want to play in the NBA but you learn they are 4 feet tall.

Our bank offers Deposit only cards cards (looks like an ATM card) that we give to each tenant with their name on it.

IM located in PHX,az and would like to know the name of this deal scenario where buyer agrees to pay off completly sellers loan balance, for example , lets say seller owes $50k on a $350k home buyer agrees to pay seller that $50k and is the new owner of said home.

Sounds like you took your time to learn before jumping in.

Btw, I like Crab Properties and your logo.

Then you can read a more in-depth book like The Book On Rental Property Investing by Brandon Turner or The Unofficial Guide to Real Estate Investing by Spencer Strauss.2.

Im debating if its a good idea to refinance to a 15 year 4.375 fixed rate paying 2 points. it looks like a win win in most scenerios because of the rate savings and shorter term.

The property is located in prime location and we would like to keep it as STR since selling right now is not the best strategy in that area, but we believe in that location for appreciation therefor we really want to keep it as STR.