Pros better rates than DSCR and no prepayment penalties.2.

The appraiser should generally try and rate those important characteristics in order.

Hey everyone, Interest rates are killing some first time home buyers or for people who want to purchase an investment property.

The lender would have had an appraiser issue a opinion of market rate rent for the apartment on your duplex so that's a start on what the rent should be.

Pricing - most bookkeepers I know are transitioning to flat rate pricing that includes software costs, based on the complication/volume of your business(es).

. ($244K ish) This is obviously far better than any bank can give me with interests rates around 7.5% here non owner occupied.

Depending on your situation, PMI may be higher and you may have a slightly higher rate. 

I would assume if you were planning to do an interest rate reduction refinance you would do all of them at the same time. 

It probably helps that I currently have my mortgages through this bank as well because it has had the most competitive interest rates each time I have gone for a loan.

I contacted a title company to officially record the sale, but they are requiring 3 separate closings (and tons of extra fees) because there will be 3 liens/private mortgages recorded (one is the original mortgage that I want to reassign since the interest rate was very low; the second will be held by my son to my daughter for his portion of the equity in the home; and the third is the difference which will be between my daughter and my other LLC).