If you've already lived there for 15+ months, some lenders may not require another full year post-refi—definitely worth clarifying before making a decision.At the end of the day, it comes down to how comfortable you are with a higher fixed payment vs. keeping extra liquidity.

I have around $100K in liquid capital and access to a $50K HELOC at 6% for the next 10 months before it transitions to a variable rate.I have a unique situation where I earn a living through sports betting, which limits my ability to show traditional income growth.

If the cash-out refinance option isn’t providing enough liquidity, you could also consider a hard money loan, though these tend to come with higher interest rates and shorter terms.

You will need 6 months worth of the payment (including taxes, insurance, HOA) in liquid assets to show an underwriter.Now with doing a rental agreement, do I need to have tenants living in the home first or new prospects lined up before the underwriting? 

Thanks everyone.Annual T4 income: 250K380K in liquid investments.Principle property est. valued at 670K with 250k left owing and 155K heloc attached.Rental 1: purchased 2021 for 220K current est. value at 270K was a house hack with 5% down and $1600 monthly rental income.Rental 2: purchased 2022 for 280K 20% down current est. value 345K rental is $2000 monthly Rental 3: purchased 2023 for 267K with 20% current est value 310K rents for 2100 a month.

Either that, or 0% credit cards combined with the personal loan if you feel that you can liquidate the property before the credit card intro periods expire. 

You should also request a personal financial statement to better understand their financial health and proof of funds to confirm they have the liquidity for down payments and closing costs.

I cant really use the computer except to e mail..

Quote from @Sean O'Keefe: @Ignacio Vidal Traver This thread also has a great hours tracker / activity log https://www.biggerpockets.com/forums/51/topics/816680-real-e...Sure, sent! 

Use Real Estate By the Numbers as your guide, make sure it tracks the loan pay down and depreciation and have all of those numbers pour into a Schedule E.