My customer wants to refinace two of his investment properties. His mid score is 521 but his doesn’t have any lates on anything within the last 5 years he just has a lot of credit. The value of one property is $21,000 and the other is $26,000. He doesn’t care about cash out as much as he cares about lowering the interest rate, hopefully 10% or lower. He also wants to purchase another investment property with 100% financing. I don’t think that is possible but you never know. He makes $10,000 a month. He has a total of 4 properties including his primary. Thank you in advance if anyone out there can help me. By the way, I am looking for an LTV between 75%-85% if possible.