Other banks don’t offer certain products to certain types of customers; they’re all different.Here’s one personal example of 3 different product structures I came across and was able to refinance the money into the 3rd banks pricing: Bank 1: HELOC / 10 year / Prime + 2.25% (5.5%), up to 100% LTVBank 2: HELOC / 20 year / Prime + 1.25% (4.5%), up to 90% LTVBank 3: HELOC / 20 year / Prime + 0.75% (4%), up to 90% LTVLesson 2: Influence what’s in your controlWhen refinancing a property, set up your appraisal for success.Pull compsProvide the appraiser informationProvide before & after photos of the propertySeed a target price (for them to hit)Lesson 3: EVERYTHING is up for negotiationRates; APR, points, etcTerm“Minimum Requirements”In this most recent deal the bank told me that I could not get the full 90% LTV because I had not yet had 12 months of “seasoning” and the could only loan up to the purchase price.

So if you sell the house now and end up with $110k it seems to me that you made the wise decision.Add in any nominal cash flow, the ancillary write offs you could have been taking to lower your taxes over the years and the RE looks far superior to the 8% market return.I have no idea how much of a hassle your property was, but was it worth the roughly extra $7k you earned per year?

The returns on the property will always be the same (nominator) but the amount invested into the property will fluctuate (denominator).

2) Looked at photos only. 

As you are new you may not have older photos of the interior, but if the MLS listing had them, use those. 

If it’s an off market listing you can go to the city or county and get the tax card usually for $1.00 or a nominal fee.

Met an Island girl from Okinawa, Japan (hints the bio photo). 

May see further descriptions and 3d photo walk thru of property on REALTOR.COM. 

All is well.Today, around noon I get a message with a photo of the thermostat- it reads 76, set to 68.

Are their listings detailed with good quality photos?