I have a property that I need to refinance into a 30 Year Term.

Was able to cash out refinance and keep it as a long term rental.

So I figured that if I could avoid negative cash flow, the other two sources would carry us until rates declined and we could refinance to lower interest expenses.

I was able to refinance out all my own cash input, other than $5k at initial refi.

Then - once you're stabilized around 90% occupancy - re enter the markets to secure quotes from Freddie / Fannie / HUD / life companies / banks / credit unions.If it's an acquisition perhaps you put short term debt on the property, re-position the asset, then refinance after you're turned the operation around.

There is no seasoning requirement to refinance a conventional loan.

However, some investors embrace this strategy, especially if they want to minimize their upfront capital and plan to refinance within a few years—particularly with ongoing discussions about the Federal Reserve potentially lowering interest rates into 2025.

My request was for a cash out refinance.

What are some ideas should i explore so that I can minimize the financial loss in this situation especially given I cannot refinance even if the rates were 0% as my property value won't appraise.

@Henrique Dantas@Camila WongYou can refinance but you need to wait minimum 2 years after your purchase.