Brian and Pam were not confident in the mortgage options presented to them. Their loan officer of many years only presented a traditional mortgage that wouldn't help cash-flow. As they entered into a new life phase, their home financing had to evolve too.  The Situation: Brian and Pam moved into one of their rental units, a one-floor duplex; no stairs for the sore knees. As they looked to retiring completely, they wanted to maximize their opportunity for better cash-flow. However, they had concerns about being able to do so with a duplex and keeping the property held in their trust. After talking with several large lenders and their original loan officer, their financial advisor recommended they pursue another viewpoint ~ one more strategically aligned with retirement, from a loan team that was local and who could compare multiple options side [...]