.- thanks   1) on the  1st mtg  refinance proposal at 4.1%  -  sounds like they are  offering you the  higher note  rate  so they can  absorb  some of the closing costs .....make sure you get a loan estimate and  review the details about them picking up all costs  ( titel / escrow / recording /  credit  etc ...)    2)  also  check the  index / margin and  caps   on the new  loan  offer   and  compare these to the  present loan  details  ...if you  keep this loan past the   rate/ payment  adjustment  period - you want to make sure  you  are aware of  how the ARM  can  change   3) the offer  to  do  " free  "  refinances in the  future  is  no  big deal  beacuse  any lender  can offer this  via  a higher rate  to  absorb  all costs 

Check into the area around Sugar Mountain in NC.

They don't do credit checks so the new notes closed are at 15%.

Hi Suzanne-I would suggest checking out google, reading reviews, and looking at different websites to see the top few that you think will provide value. 

Be sure to check out the Detroit market as there are LOTS of opportunities there.We've helped hundreds of investors!

It's great to have you here.Here are some recommendations for you:Find and connect with other BP members that are in your area: http://www.biggerpockets.com/m...Set up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/a...Read Beginner’s Guide: http://www.biggerpockets.com/r...Check out BP Money Podcast: https://www.biggerpockets.com/..Wishing you the best

I’ve also been saving up a large portion of my checks to go towards a future down payment for hopefully a multi-family property to start my house hacking journey.Just wanted to put myself out there but if there was anything you would tell a future real investor what would it be and I’d appreciate any advice given, Thanks. 

For a new property, lenders check your income, credit score, and debts.

For $2,000 which was loaned to me from a friend for 90 days for $200, I gave an attorney a cashier's check as a down payment.

I'll definitely check that out