Quote from @Hansen Tong: Hi Everyone looking for a CPA in CA that understands cost segregation, offsetting of w2 income through active short term rental partcipation etc. 

Building long term partnerships and not a one time deal.

There are several non-QM options that will work around that but with "hits" to the loan terms.  

I like this idea because it reduces the potential vacancy I could have by doing a short 3- to 4-month lease that ends in April or May, then starting over with a year lease.

I believe it is 50% down, rates around 13% and term around 5 years.  

Not an uncommon underwriting term I guess.

I have 3 long term rentals, but this is my first time with commercial property. 

While you are at it, put the next person on MTM to create some equity in the contract when you have problem in the future.

The right market for you depends on whether you prioritize cash flow (Augusta, Columbia) or long-term appreciation (Greenville, Huntsville).

If you're doing a rate and term refinance, there's typically not a seasoning period but again it's common for lenders to require it be rented first.If you're doing a DSCR cash out refi, it may not need to be rented first but you're probably paying a higher rate.Your best option is to call a loan broker you trust and go through the options based on your current situation.