Fill up the lower marginal tax rates with Roth conversion income.

Running your numbers based off a short term rental or medium term rental rate is going to get you in trouble.

I check the SEC, FINRA, ratings websites for inside information on the principals in the company.

I would either want 25% down payment or the rate would need to be 9-12%.

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Cap Rates are low in this space, but it makes sense for a lot of people who have a huge tax burden.

I want to keep the property longterm since its a good rental and the interest rates unbeatable but I want to pull by 10K downpayment as well as renovation budget out of the property.Has anyone ever had any sucess refinancing a portion of the home while still keeping seller financing in place? 

Most work this way Rates: 9% to 13% (Most Deals are 11-12%)Terms: up to 36 Months (Most Deals are 6-12 months)Fees: 2-4 points(%) of loan amount paid at closing (Most Deals are 3 points(%))Minimum Loan Amount: $50,000 (For loans less than $250,000 $2,500 minimum fee)Max Loan: 65%-70% of After Repair Value(ARV)100% Rehab Financing Available (Require 20% of purchase price down payment or cross-collateral)Closing Timeframe: 48 Hours - 3 Weeks (Most Deals are 2 Weeks)NO PRIMARY RESIDENCES, NON-OWNER OCCUPIED ONLY, BUSINESS AND COMMERCIAL USE ONLY.

Getting the best interest rates, doing (re-)taxations, changing the percentage for a down payments that needs to be paid or for the % in refinancing to get back.We are actually planning our next meet up in Barcelona about refinancing where a mortgage broker is coming to have a talk.

The average consumer is some what aware of these layoff trends, inflation, higher interest rates, and higher home prices.