A lot of investors are facing the same challenge with these low-interest "subject to" deals.You're right, refinancing and giving up that 3% rate would be a disadvantage currently, so here are a few alternative options to consider for pulling equity without touching that primary loan:HELOC or Second Position Loan – Some lenders are open to issuing a HELOC or second mortgage, even on a subject-to property, if there's enough equity and the property is titled in your name or trust.

Sure it gives them control (with the direction of the beneficiary), but is there any disadvantage?

The old factories are dinosaurs and factory legacy is one of our huge disadvantages compared to China et al.

The ADU addition causing the primary unit to be rent controlled (if more than 15 years old) is a disadvantage that is sometimes missed by those adding ADUs. 

In another open forum someone attempted to defend their Facebook platform by stating that it was private and completely secure…Standing in front of 100+ people I said that.. “ I truly believe that you truly believe that”… but you all see the extreme financial disadvantage I hold refusing to use the REIAs communication system.

I also offered an FHA grant program (no down payment) to him, but he declined because the rate was about 1% higher and said his dad would help him with the down payment.Moral of the story, be flexible and work with a loan officer that knows all the options and advantages/disadvantages. 

@Sarah Crowley You are already at a disadvantage because your lender pool is diminished from the start because of the use.

The disadvantage of not having met anybody...asked a few hightop tables and got blank looks.

While this statement is typically referring to those who buy, renovate, and resell properties, it also applies to those purchasing properties for rental purposes.If you don’t acquire a property at the right price, you’re already at a disadvantage.

Probably rarely the case.The seller's agent likely has a relationship with the seller and no matter what you sign or agree too, you as a new buyer to them will likely be at a disadvantage.I think it is a rare day you save any money going to the listing agent and 95% of the time you will be at a disadvantage.