Regarding refinancing now vs your strategies for next year it will only impact you if you were planning to pull funds out of that property.

If the only cash being pulled out of the house is to pay off the first lien (private lender), is there still a seasoning period?

The crazily rapid rise in interest rates pulled the rug out from under a lot of investments.

Steve,Unless you are cash fluid and have a good chunk of change to continue to buy more properties, I would tell you to pull out some cash.

I'm just suggesting it might be worth waiting for the rates to come down before you pull the trigger.All the best!

I suggest learn everything about real estate, and get ready to pull the trigger whenever the opportunity is presented.

We could definately pull better rates if my family wasn't in the equation. 

When I asked how exactly did their software locate "vacant" properties she said she didn't know because that wasn't her area of expertise.I pulled them up on the BBB website and the good news is they are listed as having an "A-" rating.

Option 2: I can sell it and pull all the equity tax free, since I'm married and it's our primary residence.

I just use occupied nights/365 and account for vacancy to include any reason it is not pulling in revenue.