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<url><loc>https://simplyspreadsheets.co/2026/11/03/refinance-or-hold-rental-property-2026/</loc><news:news><news:publication><news:name>Simply Spreadsheets</news:name><news:language>en</news:language></news:publication><news:publication_date>2026-11-03T14:06:39+00:00</news:publication_date><news:title>Refinance or Hold a Rental Property? A 2026 Framework</news:title><news:keywords>rental property analysis, Real Estate Investing, rental property math, cash-on-cash return, rental property cash flow</news:keywords></news:news></url></urlset>