Any payments on the balance remaining from the original loan must be included in the debt-to-income ratio calculation for the refinance transaction.Note: Funds received as gifts and used to purchase the property may not be reimbursed with proceeds of the new mortgage loan.The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV, CLTV, and HCLTV ratios for the cash-out transaction based on the current appraised value).All other cash-out refinance eligibility requirements are met.

If mailed,such notice is effective when mailed addressed to the Member'saddress shown in the Limited Liability Company's current record ofMembers, with postage prepaid.8.06- ActionWithout a Meeting.Any action required or permitted to be taken by the Members by votemay be taken without a meeting on written consent.

These fall into three categories: lender charges, third-party charges, and prepaid items.

.  A landlord must pay interest each year on security deposits (eff. 11-6-86) and prepaid rent (eff. 1-1-92) held more than six months.  The rate of interest that a landlord must pay is set each year by the City Comptroller (eff. 7-1-97)  Before a landlord can deduct expenses for damages from the security deposit, the landlord must provide the tenant with an itemized statement of the damageswithin 30 days of the date the tenant vacates the dwelling unit. 

@Patrick J Pittius- thanks ....check to see if there are  some down payment assistnace  programs in your area and  see if you qualify for any  ( often the income needs to be below the county median income )  .....there are conventional loans that  allow 3% down   ( you have 2% right now )  ....you can ask realtors / sellers to provide a  credit you can use to  cover the loan fees/ closing costs and prepaid taxes and insurance ....you can  use  gift  moeny from realtives  in many cases  ...some programs  dont require any payment  reserves   or just a few months of  reserves  ...if you are pre approved -  brainstorm with your agent and loan officer ...if you arent pre approved - get pre approved 

I believe you can do prepaid credit cards through your bank, but that involves paying interest on your own money or something daft iirc.As for the immigration process, it doesn't take into account credit ratings or score or bad debt from your home country.

Finally, get estoppel letters signed by tenants and current owner so the tenant cant give you some unknown story about how they pre-paid rent for the whole lease and its not their fault the old owner didn't give you the money.

One of many Examples: Prepaid expenses (insurance) paid at the beginning of the year.

can you do a one year prepaid?

@Garrett Gattonyes - as  credit  towards loan fees/  closing costs and  prepaids  on residential  transactions - Dave