All Forum Posts by: Victor Kozlovsky

@Kumar Tummalapalli building a scraping tool that is flexible and has it all will be hard since it looks at HTML code behind websites, which will be extremely different across different resources and may change over time. I think it is better to focus on just a few websites that have most of the info you need, scrape them, save data into a database and then build an separate analysis tool. My two cents.

@Merritt Noel thank you. Very interesting perspective on taxes

Thank you for your prompt replies. I have a conventional 30-year loan @ 4.625% and I owe about $109K right now. The apt was trashed, I did a complete renovation and similar apts in my building now go for around $170-180. Originally I was thinking about cash-out refinance, but if the apt appraises at $170 and I get only 80% and a higher interest, I don't think it's worth it. The second option would be to lower the rate and possibly do a 15-year instead of 30-year. Thank you again.

Hi all,

I am thinking about refinancing a condo that I got three and a half years ago as a primary residence (and actually lived in for about three years), but I am not sure how the process works since it is not an owner occupied property anymore. Will rates be higher compared to if it still was my primary residence? Should I go to the same bank (BofA) that issued the original mortgage? Any advice is highly appreciated. Thank you.