I’ve been running different refinance scenarios for stabilized rental properties and noticed something interesting.Many investors focus only on rate reduction, but when you extend term, the “lifetime savings” picture can change significantly depending on:• Remaining amortization• Current balance vs new term• Cash flow impact vs total interest paid• DSCR improvement relative to LTVIn some cases, the refinance improves DSCR and monthly cash flow but doesn’t dramatically change total lifetime interest unless the rate delta is meaningful.I’ve built a model to compare:– Current PITI vs new PITI– DSCR impact– LTV after closing costs– Lifetime cost difference over remaining termCurious how others here are evaluating refinance scenarios.Are you prioritizing:1- Cash flow improvement2- Rate arbitrage3- Equity extraction4- Portfolio stabilizationWould love to hear how others are modeling it.

Did anyone try a coliving, padsplit type of model?

What began as a simple shared house turned into a system with defined leases, house expectations, and a consistent tenant profile.Along the way I learned a few lessons that might be helpful for other investors considering this model.1.

I would like to connect and share my analysis with an experienced real estate investor to validate my models.

Hey Nicholas,Will this be like a shared living model?

Hello BiggerPockets Community!
I decided to join BiggerPockets after reading “Rental Property Investing” by Brandon Turner. While I have a background in both Finance and IT (which led me into roles in real estate ass...

A lot of firms like Edward Jones use an AUM (assets under management) model, meaning they charge a percentage of the money they manage for you, usually around ~1% per year, sometimes more once fund expenses are included.That may not sound like much, but over decades fees compound just like returns do, which is why many people in the FIRE/BiggerPockets communities prefer using low-cost brokerages like Vanguard, Fidelity, or Schwab with index funds.That said, the key question is what value you're getting for the fee.

Once you get past one flip, the only way it stays clean is to run every project through the same model and the same operating rhythm.

Smith question about IRR models: the delta in early-year IRR becomes significant when you layer in reinvestment assumptions.

https://www.tryhoma.comThis model intrigues me quite a bit.