I plan to sell them traditionally or by cashing out and refinancing.

With "Condo Status" comes not just increased desirability, but also higher appraisals during refinancing.

Hi Jonathan, This looks like a great candidate for a simple fix & flip/hold refinance loan if you are OK refinancing out of the current loan you have.

I also don't want refinancing risk, so any deals with only 3 to 5 year debt are out for me.

They may be able to help negotiate with the lender on your behalf or provide alternative solutions to mitigate the impact of the increased escrow shortage.Additionally, you could explore refinancing your mortgage with a different lender to potentially lower your monthly payments and escrow requirements.

The problem is that home prices usually appreciate faster than people can save for the added down payment, so you are almost always better off buying with the lower down payment and re-financing later.

Here's a brief overview of my current situation:SFH1Acquisition Price: $1.6MCurrent Market Value: $1.89MLoan Balance: $1.2MInterest Rate: 3.75%Annual Net Cash Flow: -$12KSFH2Acquisition Price: $2.15MCurrent Market Value: $2.2MLoan Balance: $1.5MInterest Rate: 7.75% (I'm considering refinancing in the next few years)Annual Net Cash Flow: -$65KDespite being proactive in educating myself through BP forums and real estate literature, I'm beginning to question the sustainability of enduring annual losses from these investments.

We refinanced twice before moving into the main house.

My strategy is to cont the BRRRR method. which involves refinancing as you know.

We give you a bridge loan up to 75% or 80% using our own funds, then immediately refi you into what ever product we are using for take out because most products do not have any seasoning period for simply refinancing what is owned.