Hi BP Members! First BP post! I have a question that pertains to the Maryland investors. I refinanced my first BRRRR property and at closing the person from the title company said that I was over paying on the recordation tax. Without much clarification she told me I was wasting my money bc I didn’t record the private lenders money (family member). Closing was not the best experience since I was trying to get clarification on my mistake but she was unable to fully explain it to me. A little background. I have a family member that loans me the money for the purchase of the property. I pay for the renovation of the property and I cash out to pay them off. I am looking to purchase another BRRRR rental soon and do not want to make the same mistake. How do I go about recording the private lender loan so I don’t pay recordation tax on the full amount when I refinance or is that unavoidable bc it’s a private loan. Thanks!