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Hello everyone. My wife and I are looking to start our journey into long term buy and holds. We bought our home in 2015 with a VA home loan and our current equity is about $90,000. We would love to purchase a multi family nearby and have been looking into hard money loans to do it. Our issue is if we find a reasonable multi residence with minimal repairs, can we refinance into a conventional loan to pay off the hard money lender. We can use the equity but I am currently not employed so refinancing to put a down payment probably won't go through the paperwork for a conventional loan. We're very green to all of this so if what I wrote makes no sense I apologize. Our current residence is in Folsom Ca. Thanks