May take time but saying they won't appreciate means you just need to lengthen your time frame.

There are three main ways to lower payments with a refinance: (1) lengthen the term from 15 years to 30 years, (2) get a lower fixed rate, and (3) convert from a fixed rate to a lower adjustable rate.

The surest way to reduce your cash out of pocket at closing is to lengthen the gap between your purchase price and ARV. 

Have your pick.The actual reasons include: people are afraid they can't find a property they want to move to, student loan debt keeps many people from buying because of Debt to Income issues, sellers haven't caught up with the fact that Days on Market is lengthening, it's COLD COLD COLD outside in most parts of the country so buyers aren't out and about. 

Education isn't cheap, but making mistakes and lengthening your learning curve is even more expensive.    

Once you get to that level of investing contracts and deal structure lengthen out considerably from the crazy manic small rental markets

@Stephen Lynch I don't believe that recasting will lengthen the term of your loan.

Lead time to get your property back is lengthening— if you can service notice or non-renew.

There are ways to lengthen that time period. 2.

We didn't create any sort of security instrument for the seller in this case, but if I've heard @bill G. correctly on previous posts, this doesn't eliminate their ability to foreclose if I don't pay, just possibly lengthens it.