Taking on deals like this that decrease wealth, such as low return high upfront cost whole life insurance, paying 19% interest on credit card debt, paying 2% annually to have a “wealth advisor” place your money in Vanguard Index Funds, paying for a high cost mortgage because you’re credit is bad, and “debt consolidation” programs are all reasons adding up to why many people can’t achieve financial independence and remain dependent on working every day to live paycheck to paycheck.There is a chance that in a particular circumstance any of these, including the program offer you describe, can be beneficial in certain specific cases.  

Sell it while the market is still strong.At the same time, start educating yourself.

On avergae we are seeing 7% give or take.Are you looking into a specific property? 

Hello,I am pursuing an off-market deal for a 4-plex.

Know this - kickbacks and other forms of paying for referrals is illegal for lenders, but many realtors and lenders skirt this in gray areas like a lender sharing marketing costs with realtors and in other ways.

If you are not subscribed, go to your settings under your profile, then notifications, marketing emails, and turn on Short-Term Rental Newsletter for now. 

In today's market, HELOC rates could be a dealbreaker on trying to do that so be sure to look through all your options first. 

I'll send you a DM as well but wanted to connect as I'm very involved in the multifamily market for small(2-4 unit) and midsize(small apartment complexes) in the Pensacola area as both a real estate agent and as an investor. 

Probably not the help you are specifically looking for, but hope this helps. 

Turned out to be a very strong housing market with limited Custom Luxury Home Builds How did you find this deal and how did you negotiate it?