Hello BPNeed some advice on the financing side of duplex property that I am ready to close before end of the year.I reached out to my lender for a conventional mortgage for the amount of $61k (purchase - 25%) and he quoted me 4.75% rate for 30 year with a closing cost of $4k.I have a Heloc (line of credit) where I can do a cash purchase without any of the closing costs.

I'm wondering if there are other BP'ers willing to take a look at one of my deals to see if there is something I'm missing in the analysis or if there are assumptions within my deals that I'm underestimating.Here is the link to the deal - https://www.biggerpockets.com/calculators/shared/916449/7da6c614-e8cc-41b9-9e15-965565b159baAbout the assumptions:This is the Charlotte NC areaPurchase price shown is the current asking priceProperty taxes are from the assessor's office and the monthly income is the average for 2 beds in Charlotte.My goal for deals is cash flow.Any and all thoughts/suggestions are welcome!

Judgement will impact the transfer of a warranty deed upon refinance and official closing down the line. 

if its an owner occupied home you could also do a home equity line of credit before the 6 months is up. that way she can get her cash back and the ability to get long term financing later.

I’m still going to send him a text along the lines of what you said just so I have something to back it up, if he does try any funny business.

Most MFRs I've seen are at 0.6% - 0.8%.Look at MFR sales in South BostonIn 2013, there were 39 units sold, with an average price of $727,949 and 37 days on market.In 2016, there were 36 units sold, with an average price of 1,272,467 and 50 days on market.A 73% increase in 3 years.3 bed rentals in South Boston over the last 3 months averaged $3,346.I've felt for a long time that the better deals are found south of Boston in Plymouth and Bristol counties.  

I don't see the need for another phone number, you can always add a new phone number down the line and update in your llc. 

First clear your debt and get your savings in line.

In this case I would let her break the lease to find a place that is more in line with her requirements.Good Luck!

A farmer will connect her, without self interest, and will continue to do so indefinitely.Ultimately the work can bear fruit many years down the line with a business opportunity, well after the salesperson has gained the prospect’s trust and respect.