They had to have all of their policies re-insured, paying premiums, so I don't know how much you'll save if you think premiums are too much setting up a captive sub.If you have a mortgage, without insurance, the lender would rather not deal with the loan as it's unsalable in the secondary market.

My home mortgage is 4500/month, practice loan 4000/month, Student loan 1000/month.4.

They don't always know their loan balance. 

Quote from @Trevor Toft: If you pull out the equity, you'll have a second loan to pay and you'll be in a negative cashflow situation.I bought my first house in 2000 while in the military.

I'm in the process of exploring my options for obtaining a very short term bridge loan (30-90 days) and am reaching out for some guidance and recommendations. 

Mortgage insurance falls off of a conventional loan at 80% LTV if you request it and 78% LTV automatically. 

So, she could get a better rate on her auto loan - which is through a local hard money lending company that typically charges 25%+ interest rates on crappy cars that won't last the term of the loan.So, if you can't just look at the application data subjectively and without emotion, you should delegate it out.

Hello, I'm about to close on a BRRRR and I don't have any underwriting spreadsheet for a hard money loan into a conventional refinance after the Rehab. 

My wife's friend at 28 years of age at the time bought a duplex with $25K from an inheritance, a $15K loan, not a mortgage because she couldn't get one, and then paid off the loan in 3 years, and bought another property soon after.

I am a loan officer and I think the biggest thing is you should be around 6.375-6.5% for that type of purchase.