Back in 2020 when the pandemic COVID-19 refi boom started, I made the mistake of trying to broker loans to some of the slow-as-crap cut-rate lenders b/c the working-from-home-nothing-better-to-do consumer demanded it (I don't know your full scenario, I'm just assuming for the sake of discussion that you are getting an unusually good deal in exchange for all the pain they are putting you through), in almost all cases the above math revealed that this was not only financially in error (due to paying interest on the interest rate difference over those several extra months), but on top of that the consumers were NOT happy with their savings, after all the extra time/effort, about 99% of the time (on my end, I don't necessarily want a loan sitting stagnant in my pipeline for 4+ months either, so it's not like I won here either). 

A lot of times you could be going up against 1031 money or someone who is house hacking if it is a multi family.  

When/if we sell, we'll utilize opportunities such as a 1031 exchange to be able to defer these taxes longer.

Explore your multi- family opportunities and if you find some good ones…sell and do a 1031 exchange.

She makes $45 in about 45 min, and exchanges and cleans all sheets, towels, etc.

I sold a property back in April and am doing a 1031 exchange.

Your young and currently exchanging time for money, a good goal is to exchange money for more money and the only way to really do that is through "self education" and associating with others like interests.

Perhaps find an investor in your area and see if they need help in exchange for learning the ropes.

I've tried to look for 2-4 unit deals close to where I live, however, they either give every low cash flow, or at bad neighborhoods with lots of deferred maintenance.I just sold one property that had negative cash flow and looking for replacement properties for a 1031 exchange.

I have around $28K to use towards a downpayment on one property and around $56K to go towards another one... both 1031 exchanges.