Anyone use online resources for cost seg?

Interest rate was 4.25%, US Bank (not original lender) refinanced with cash out in Oct 2025 for 5.825%, 5 year balloon and 25 year amortization, no loan fee, complex repayment penalties.

I'm self managing and therefore need an online rent collection portal.

There’s no legit way to “look up” someone’s SSN online.

Is there a way to get out of hard money lending?
I'm looking to refinance my investment property. I think my score might be too low.

Refinancing the note and paying a "large" amount to the principal at the same time would potentially reduce the monthly payment. 

The syndicators accepted a loan that would need to be refinanced after only 3 years2.

Have done 1 conversion and have refinanced each of my properties to improve the Cash on Cash, but no perfect BRRRRs yet. 

I’m considering refinancing the loan into a DSCR in the LLC's name to clean up the structure and improve cash flow.Current loan:Interest rate: ~7.4%Loan balance: ~$260kAll-in PITI: ~$2,25030-year fixed, recently originatedRefi (DSCR):Rate: 6.5 (can go to 6.375 at one-time cost of $388)New loan balance: ~$277k (fees and costs rolled in)All-in PITI: ~$2,150Monthly cashflow improvement: ~$100No PMISo on day one, the refi improves cash flow by about $1,200 per year. 

Lenders want to know the exit strategy and what is next, how are you going to get this refinanced or are you selling the property?