Sounds like an opportunity if other PMs are not good there.One additional point on delegating and vetting your team members.

Or refi cash out 100%… so I would have ZERO out of pocket… and then rent for $800-$1000… gross… after mortgage and hold backs I was STILL netting $400/ month.with zero out of pocket… And the debt was $50,000.Now….

You have to build that into your cap rate on the purchase.In general large governments tend to be inefficient with money. 30 plus trillion in debt with little of anything to show for it.

It helps me be able to capitalize on some appreciation, reduce closing costs big time, and I can capitalize on debt pay down without having to save a lot for cap ex.

I need additional funds to finish my basement, and to start builiding a new house on the lot next door to my present three family.

Also, your debt structure is your asset more than the property, I wouldn't sell it, I would keep it as a rental, and maybe use a HELOC on it to tap into some equity, and then go another primary residence.After buying another primary residence, I would re-evaluate every year or two to see how you can better maximize the returns. 

They seem to be a middleman for underwriting some type of debt instrument for DTCC. 

If you do a search for LLCs on BP, you'll see a range of opinions - it depends on your individual situation and risk tolerance.For 2024 if you have an LLC you have to file additional paperwork with Corporate Transparency Act or face fines from the IRS.

However, if you're debt outstanding is significant then a rate term refi might make more sense if you plan to hold onto it for a bit. 

In addition, the equity I have in the home represents the vast majority of my nw, so I feel like I'm not well diversified.