A potential issue that could pop up with the refi is your current address on the application being the subject property on a business purpose DSCR loan.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Quote from @Stephen Smith: You are correct, this can happen, however, if your application is full and complete this is an expectation.  

Here's a list of things to track:- Formal lease application- Formal signed and executed lease specific to your state- Payment history (I recommend using online rent collection like Apartments.com, RentRedi, etc)- Maintenance requests and receipts- Accounting for all rental-related expenses (repairs, utilities, etc) The more you treat it like a business, the more helpful you are to your CPA come tax time. 

For this post, the long story short is that no cats were on the application but lo and behold, there are 4 cats in the house during my first inspection.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Generally, most reputable lenders in this space won't have any significant surprises with terms and fees because they spell them out upfront in the applications that they provide before you move forward with the loan underwriting.5. 

It would be much appreciated.Direction on the applicable laws in Real Estate, sure: "Google.com". 

I have no idea how real these rates are they dont have credit score just A+,B+ , C+ d and e and application fee is $400.

Is it similar to Savannah / Tybee where new STR's can only be in certain zoning areas and there is a waitlist for applications?