Credit Union?

I can start with my local credit union bank that already know my assets, but wasn't sure if I should be talking to someone else who better understands this approach.As for your question what it will do to my cashflow?  

Credit unions are good for this.If he's interested in investing, he should also become a member of BP and learn and ask questions here himself :)

I was able to get a better interest rate recently with a credit union, but again, it's only fixed for 5 years.  

Have a family member that has retired from the service or D.O.D.The $25 dollar donation that @Nathan Emmert mentioned does not apply for Navy Federal but does apply to Pentagon Credit Union.

IMHO - I would go to your local credit union or State Bank and refi to cash it out.  

@Sven Simon Typically I have found that credit unions and local banks offer some of the best rates.

Credit unions often offer the best rates.

In Griggs, the Court held that Title VII of the Civil Rights Act of 1964 prohibited the use of employment practices that have the effect of excluding racial minorities even if the employer did not intend to discriminate unless the employer can prove that the practice is related to job performance.If I remember correctly, I think the above case had to do with an African American employee applying for a job/promotion, but was turned down because he did not have a high school diploma. 

I agree with Connie,There are some very specific neighborhoods in KC like Hyde Park, Union Hill, Valentine, Brookside and Waldo that are gentrifying and present good opportunities for long term holds with cash flow and upside market growth.