Mike O'Day

The Couple With the 3% Mortgage Who Unlocked Two Investment Properties

A couple who refinanced to sub-3% and a 15-year mortgage felt stuck — no cash to invest. A lender ran the numbers: moving back to a 30-year at 6% kept their monthly payment identical while freeing enough equity to buy two investment properties. Dormant equity earning 3% became funded investment properties building retirement wealth.