Normally, there should not be a pricing adjustment.

Either A) the gf's mother stole her identity and impersonated her on the loan application, B) she's lying to you and is going along with it, or C) the inquiry is unrelated to the mother's loan.

Accept a $1,300,000 first lien note, payable at 10% interest only payments for 24 months, and convertible into a 15 year 11% note with 3 year interest adjustments with11% floor fully amortized.

You then need to adjust for the owner occupied requirement. 

However, the current vacancy is hurting your cash flow, the paused refinance poses challenges, and ongoing capital expenditures can be significant.Short Term Rentals: These can generate higher monthly income and offer flexibility to adjust rental rates based on market demand.

I'm matching the terms you have above... it may make sense to look at a 3 year Prepay instead because the adjustment is minimal usually.Lender 1: 7.25% With 2 Points Up Front or 7.99% if you want to do a 0 Point Loan.

At that point - won't it be at $30k/month, adjusted for inflation? 

The identical rates of change suggest that, although rents drifted downward, landlords have avoided increasing the relative value of incentives packages used to attract and retain lessees.

No rate adjustments for 2-4 units which is massive from a lending standpoint.

This applies to current year tax deductions, and you can also employ a “look back” cost seg study where you can retroactively reclaim any missed deductions from previous tax years.By filing a form 3115 and calculating the proper 481(a) adjustment, you can recapture and correct any erroneous depreciation in prior years and claim the difference in the current tax year as a lump sum.