So even without the Fed doing anything going forward and IF we get past inflation concerns, the Bond market will bring down mortgage rates to 5.86% - 6.06%, given today’s levels, a notable difference.

I assume you're fine continuing to make the same payment as you did until now, so just go to the seller with the appraisal and explain to him you're not able to refinance.

The buyer “needed” about $35k in concessions, further the buyer was not able to obtain financing within the 90 day timeframe.  

I was not able to retire after a few years, instead I just kept working up and now I have a level of financial comfort I never expected. 

I’m not able to thank each of you individually, but I’d like to summarize what I got from my PM and share my overall strategy based on what I learned from your replies.

If you buy retail and are not able to add value the only way you can enjoy a gain is through market movements.

I have private money lenders who funds were tied up to where they were not able to invest in this deal with me.

Up until a few years ago, Fix and flip (Resendiatial transition loans, or RTL in Wall street parlance) was not able to be done on scale for a lot of reasons.

I have private money lenders who funds were tied up to where they were not able to invest in this deal with me.

I have private money lenders who funds were tied up to where they were not able to invest in this deal with me.