Just some thoughts, and happy to walk through your situation on a call/webinar if that would be helpful.  

Happy to connect and discuss further if you'd like.

We typically do a happy hour at a local brewery or rent a suite with catered food/drink at a local baseball game. 

The pool is in the middle of a renovation right now and I am so happy I made that decision!

Happy to chat. 

I'm always happy to connect with fellow investors. 

Over the many years, I've seen these things destroy a lot of people.IMO for a short time they provide happy days, but inside them is the shark that will "come a callin' ".As a very conservative investor, these are not on my Swiss Army Knife, but I recognize the Risk/Reward situations they are used for.

When the time comes, I would rather get the high interest instead of buying down with points  If there is too much of a spread between market rate and what they offer, you can take the incentives and, perhaps, refi, but then you have costs again.

I would be happy to chat with you about your goals and plans for investing in this market and see if I might be able to help guide you in the right direction. 

Happy to send over my model, which is geared towards syndication, shoot me a DM