Originally posted by @Aaron Hunt:Was offered the following by the lender: 3.5% 5/5 ARM rate (discounted w/ auto-withdrawal from separate acct), no PMI, 5% down (w/ approval of exceptions on previous places); OR 4.5% 30 yr fixed, no PMI, 5% down.The raising rates are scaring the crap outta me!

I been in auto industry for last 7-8 years, here is my 0.2 cents.

@Boris Mordkovich since sharp folks like yourself can set the process up on almost auto pilot. 

. - In addition to being on a real estate agent’s auto-email list for multifamily, consider sending direct mail or driving for dollars to try to buy something off market from a motivated seller.

Owner's invoices will be auto populated versus manually drafted.

dolton* thank you auto correct...

On an auto policy an example of this would be things like road service and towing even though you didn't request that coverage.

Most of my monthly expenditures auto process around the tenth of the month so I have to keep twice the normal capital in there to ensure my expenditures don't process prior to the rent payments.

@Brandon Rush already mentioned it and it has everything you're looking for. auto draft, maintenance requests, the app is very tenant friendly, reporting..

Already scored a whole set of kitchen cabinets, brand new quartz counter top (measured and will fit my need), some small appliances, doors, and bathroom vanity from a coworker doing an insane home remodel for 500 bucks too.ARV: 385k (first time doing comps but have followed my market in tacoma for 2 years before finally getting in and have some solid confidence given the improving area and a solid comp that just sold this week 4 doors down the road)ARV available rent: 2k/month for home, and ~200/month for garage/parking rent out (to my dad who gave me the auto addiction and needs more garage space)Given rents listed above, without doing a refi, the property nets -50/month (used BP rental analysis calc). definitely not idealHowever this is where i have questions: refi will give me the ability to assess the ARV on a conventional loan and possible do a cash out refi right?