How much time can or should i refinance per year??

[Eli L. Ku]

I was wondering about hard money lending then going back to get a refinance through an actual bank?? I now this strategy was talked through the book, but how many times a year can you refinance without actually hurting your credit score?

[Steve Vaughan]

I'd be more worried about cost and hassle.  Every refi costs at least $4,000 and 6 weeks of pain and suffering.

Costs take away freedom. Most could nap for 2 weeks straight, 3 including taxes, instead of having to go earn that $4k back.  3 weeks of commuting and punching a clock. Each time you refi you are causing yourself to have to go earn that plus your tax rate, whether it's rolled in to your loan or not.  

And if you start with an HML? How many weeks of working is that? 8 or so I'd guess. Find some private lenders. Real ones you've built relationships with.