I did an audit of my tech stack and realized I was spending an extra $300 a month on useless subscriptions and tools I wasn’t even using!

Just like hotels and airlines that were adding on a lot of fees to travel, those separate fees for apartments may now need to be disclosed up front.   

I could actually use the extra time to build a routine around learning, analyzing deals, connecting with agents/lenders, or even doing some side work like inspections.

., what advice from your CPA added value?

@Matthew Cates yes it does have extra risks but also in some situations there are some great rewards.

He gave us a rate of 7.5 with an APR of 7.765% I know if we put down 25% we can get a rate of 6.5% but we would reallt prefer to put 20% down and save the extra to do some upgrades in the unit before we rent it with the plan of refinancing in a year or so when rates are hopefully lower. 

The deal should be underwritten using true comps for similar-sized properties, with extra caution on vacancy and exit strategy.

You have to find a way to keep that area heated - I've added electric baseboard heaters to my smaller spaces where running ducts might be more difficult.

Mint got the job done with some extra manipulation. 

Refinancing for less than 1/2 point discount is probably non-factor even when adding 3 years back on to the loan.