Hi @Jacob Ayers,This is regional.

@Rebecca Cirisan @Paul ParkerThat will prove to be a tough gig in the Toledo market mate.We have been based here for 4 years now and finding good enough people has been a hassle.Toledo is a smaller region unlike the bigger hubs so good talent and reliable folks are harder to come by.Much success

Try Gorilla capital in Eugene Oregon   talk to Amy Davis  and tell her Jay Hinrichs referred you.. they have a unique starter investor program. 

I'm not familiar with what's hot in Kentucky; but nothing about that color screams unique or attractive.

Catharines as it's more central to the Niagara Region and there are some more meeting places there.

As a result, I have unique experience on the whole process and how each FinTech company handles the investment from cradle to grave.However, instead of reviewing each one of these sites individually, I chose the path of reviewing these sites against each other.

If you make that same payment towards your cash out refi, then all you did was shorten the loan lifespan, not actually lowering your monthly payments (unless you have some unique program where the mortgage will recast/readjust the monthly payments).The other thing to factor in is you had an owner occupied rate the first time around.

What it came down to for me was wether they were able to really understand my situation and through searching through their past experiences, came up with a unique, bespoke plan suited best for me.

Elmer Morales is the founder of eHomes and has much experience and unique relationships in the industry making his team the "Best of Zillow", based on consumer surveys, putting us in the top 1% of Realtors in the country. 

However, I'm interested in targeting Texas markets in the next year if my resources permit it.I use to live in the San Angelo region over a decade ago while assigned to the Goodfellow AFB nearby.