This makes no sense I’ll be paying closing cost of ~ 60 k to get a lower rate though-out the life of the loan and that will come form my equity right ?

Thanks @Steve K.!

It appraised for 350 after a 60 k renovation involving making the two bedroom unit a three bedroom, making the three bedroom unit a four bedroom, adding a one bedroom unit to an unused back building and renting out a large unused garage.  

@Charan K.

For myself and my company, we decided for a 401(k) because it was advantageous to ourselves as owners and to our employees.

Retirement accounts (Solo (k) if you're self employed), HSAs, rack up some business expenses, charitable giving, or a donor advised fund.

@Justin K.

See their last 10-Q, 10-K, and SEC filings.

Congrats @Alexander K. on getting pre-approved and starting your search!

- Alex K