A great time of year to be at shore. 

I also chose to do the repayment over 15 years. 

Look at the construction inflation rates over the past few years.

Do that again, once each year.  

Personally, I have no issues making the full monthly payments from the start, so it seems unnecessary to pay the buydown payment just to have lower payments in the first two years.Additionally, my lender said that if I refinance before the 2-year period is over, the remaining buydown payment would be applied to the principal.

I hope this post is ok.I want to say I am new to RE investing, but really I've been investing in REITs for close to 15 years, and over the past 2 years have been underwriting hard money loans (using Groundfloor).

I'm Amauri from Orlando, FL, passionate about real estate investing for the last 10 years.

I've been the owner of a medium-sized business for the past 7 years. 40 years old now and I'm beginning to pivot and re-invest capital into real estate.

Stock market returns estimated to be much lower next 10 years.

For newly constructed, purchased or renovated properties and also retroactive generally over the last 10 years, building components are properly classified into individual units of property and accurate recovery periods for computing depreciation deductions.