The below terms are live as of this date, for a rate and term refi (no cash out).From left to right:Points: 1, 1.25, 2.Prepayment penalty: 10 years, 3 years, 5 years.Commentary/review, hopefully this thought process is useful when evaluating offered terms for a maturing commercial mortgage that needs to be refinanced. 

I was considering purchasing a single rental property with all cash to maximize cash flow. 

Cash flow has been super tough for the past 3-4 years since prices jumped during COVID.

I Don't have much cash to work with, so I'm trying to figure out my options.

If you are looking for a ton of cash-flow, then Cleveland is the way to go. 

I would suspect that these companies did not decide to go vertical when they were cash-strapped, but in a position of financial security to take on this new risk.

Are you cash flowing the property?

The terms on the HELOC, if you can find one, will most likely be worse than a cash out refinance term sheet I am planning to cash-out refi as much as possible.

Are you cash flowing the property?

I have some cash and want to make it go as far as possible.I appreciate the advice.