Refinance into a conventional mortgage (Variable down, Interest rates up to 10%, harder to qualify for, lots of red tape) for a percentage of the ARV, the difference between the total cost for the HML and the dollar amount that percentage represents is what you get back in cash.

I had closing on a home i purchased back on 12/16/15 ,.

He then calls me back a couple hours later and again states, "let's leave the lawyers out of this, raise the purchase price, take less comission, etc, etc."

The property was brought back to better than original luxury status, therefore increasing my rental prices from $950 to $1200 per month.

I am flying back to the U.S. in November, so one way or the other I'll get it solved.  

Think back about the added value you created for OTHER investors over the years.

Obviously id like to catch the rates when they are low, rather than risking them going back up by next summer.

We also rented units in partnership with refugee resettlement programs to recent arrivals; those were a bit different because the rental agreements were in the name of the tenants, but backed up by the resettlement agency paying hefty security deposits.

If we would get our money back when we sell next year.  

All in total: $258,000Projected value $335,000+ (My appraisal report comes back in 10 days, I'll update when I get it)Refinance with 60k cash out for payment of $1750 / monthMonthly rent from basement apartment $1150Monthly cost ~850 a month after utilities with $0 cash left invested. $65,000+ equity in property.