Quote from @Mohammad Murad: Should I take 30-year mortgage and stay in positive cash flow, or 15 15-year mortgage and stay cash flow neutral or slightly negative? 

Can Trump push things into negative territory?

Via the multiple strategies feature to it we not only can pivot strategies to mitigate the negative BUT actually PROFIT. 

I just bought a window unit energy star for one of my properties that cost  $388 and with the $250 rebate I only paid $138 for a dual inverter 6000 BTU LG.

Agree with @Samuel Diouf, research what were the circumstances of the person making the review for a clearer understanding.FYI - we had to disable our reviews during COVID due to owners & tenants posting so many negative reviews over government actions they expected us to fix!

I only write real stuff because I love educating and writing—been doing it for over 20 years and probably enjoy it even more than real estate.

Yes, negative.

Any LTV over that would require hard money rates, which would make cash flow negative.  

P&I on the leftover 188k would be about $1200/mo.Option 2: Do a 80% LTV cash-out refi right now for 1 year at 9.5% interest on the ~228K.

If you realize positive $100/mo and negative $100/mo are the “same” (They are.) then just carry on.