Yes you can refi with a very few HML's but you will be leaving alot of money on the table with their higher, much higher interest rates.Maybe go ask one of these people telling you not to get a job to help you out in REI!

I guess I just want to move quick but it probably will be good to utilize that and not leave money on the table.  

We all have different strengths and things to bring to the table (I've done wholesale/option deals/Licensed | Partner A: Mobile home investor/note investor | Partner B: Wholesaler/Licensed/ Small portfolio...) but....As of right now, things have slumped, and we have no idea what to do now or what the next step is We market by: 1,000 pieces of mail a week (Which BARELY converts to anything, we get more calls asking to get removed from the list than leads.), scrubbing the public records for notice of defaults (a list you have to manually do as our county doesn't have the records online), bandit signs (but 3 wholesale players have entered our market and take down every sign we put up), door knocking (Which takes up too much time).

No - maybe a hair less to make it stand out, but you wouldn't leave money on the table just because you've perfected your business.Consider also that money shouldn't be your only concern - time and quality are important too.

I currently make a large portion of my under the table and is not verifiable income.

They'll be surprised in 10 years when they have to bring cash to the table to get out of their losing investment.   

Don Stodola helped us get to this closing table. http://www.donstodolawell.com/Hope this helps! 

They brought experience to the table in lieu of funds, but they still had the reserves and income needed to qualify for the loan.

As far as what we each bring to the table, I believe he brings his experience with small multifamily's and investing in general.

As far as your offer I would thank them and leave it on the table.