I can completely understand your rationale for not wanted to lower you prices (so it makes sense to say you'll never give a discount), but if you are willing to lower your prices in certain cases, I'd think doing so from the start will be more likely to get you the benefits of that lower price -- repeat business.Now, if you're just saying that many "investors" will tell you they'll use you on other jobs, but most of them never have any other jobs, then that's just part of your due diligence.

I went all in on housing based on the odds that history repeats itself.

Correct, you’re not obligated to buy the 1st, and it’s not your credit that would be affected if you don’t (it would be the initial borrower’s credit).

For me, I felt noticeably different for several months and have no side affects today after extremes short term exposure.Needless to say, I'm a big advocate of CO detectors being prevalent in the house and being wired in with battery back up.

I've repeatedly borrowed up to $500k private money with 10% annual interest rate and credit card money at 3%, but have never borrowed hard money.

Bill GulleyDo these laws affect my ability to loan to another investor that would rent it out?

@Duncan TaylorI dont want to call anyone out in this group of posts, but I'll just say you might be losing some money with those "rules" I guess you could make some leap that someone w/ visible tats could affect...?

Someone once told me your end goals should affect your short term strategy.

What exactly is enough cash flow is a matter of opinion and is affected by numbers in the individual property.

Why get rid of a positively cash flowing property with great tenants if you don't have to.Just based on what you're posted, if a Refi can get you the money you need and your cash flow is not affected (or just barely affected), I'd go with the Refi.