You are probably better off getting a new loan, unless the assumable loan is at a really good interest rate. 

-I am quoted a higher interest rate and more fees since its a rehab loan. 

Purchase price: $375,000 Cash invested: $80,000 Sale price: $605,000 Bought above market rate, held on for 3 years and sold to take out gain for upgraded property.

She estimated we could loan up to 500K on a mortgage with 5% down at a 6.8% interest rate. 

I want to put in place some incentives for new tenants and want to know if anyone on BiggerPockets has done something similar.Here are a few ideas I have had:First Month Free: Sign a 13-month lease and get your first month freePets: No pet fee for the first 6 months, year, etcRent Discounts: Offer a discounted rent for the first month or two fortenants who sign a pre-lease agreement before a certain date.Waived Fees: Waive application fees, administrative fees, or securitydeposit for tenants who pre-lease.Free Utilities: Offer to cover utilities such as water, electricity,or internet for a certain period for tenants who sign a pre-lease.Upgrade Packages: Provide upgrades or amenities such as free parking,access to a fitness center, or a smart home package for those whopre-lease.Gift Cards or Vouchers: Offer gift cards or vouchers to localbusinesses such as restaurants, cafes, or grocery stores as a signingbonus.Flexible Lease Terms: Offer flexible lease terms, such as shorterlease lengths or the option to renew at the same rate, to incentivizetenants to pre-lease.Refer-a-Friend Program: Encourage current tenants to refer friends orfamily by offering them a reward if their referral signs a pre-leaseagreement.Early Move-In: Allow tenants who pre-lease to move in a few days earlyat no additional cost.Guaranteed Parking: If parking is limited, offer guaranteed parkingspots for tenants who sign a pre-lease agreement.

Therefore, I am not sure what's feasible in regards to 1) finding an affordable multi-family out that way and 2) what the unofficial neighborhood ratings would be out that way.I'd appreciate any advice as I consider my options, and a referral or two wouldn't hurt as well.Thanks,Phil

This is going to take many conversations with real estate lawyers, and a CPA.

My issue is, I have very low interest rates and do not want to refinance and lost those rates.

I definitely suggest setting up some Keyword Alerts for the topics you feel knowledgeable, so you can jump into those conversation and offer advice!

Every market is different but check your areas electrical rate history.