As a follow up, is 12 months the minimum owner-occupancy period prior to a refi and change of primary residence?

Is the holding period calculated from the purchase date to the sale date?

If you are just wanting someone to go and check on your property periodically for walk throughs I would try and find an agent that is close to the location of the property. 

. $111 per month savings or $6,660 over the term of the pre pay and it would cost you a little over $5k upfront... so if you keep the loan through the prepay period you profit $1,000 bucksif you keep it the full term it's a savings of around ~$35,000Most DSCR Lenders dont allow rate significant rate buydowns these guys do (Lowest I can go down to 5.999% but that's paying 6 points total) and we're correspondents with them so it would close Lightning Fast...a couple more, this is kind of fun...Lender 4: Ooooh, interesting...L4 - Option 1: 7% with 2 Upfront BUT...

Whether that is possible, and it may be for short periods of time, or not doesn't matter because its a WRONG thing.

DetailsPurchase price: 1.1MReturn (IRR):11.86% per yearCapitalization Rate:5.45%Total Profit when Sold: $1.16MHolding period: 20 years5% down (so that I can take maximum leverage)mortgage rate: 6.7% 30-year fixedVacancy: 5%Management Fee: 8% --> I used this only for calculation but as I will be staying there, I plan to self-manage it.Cash flow: negative $1500 --> My primary job pays decently and I can manage this and have 12 months of reserves.

Here, a Co-Op marketed an "Investment Program" of notes paid at variable interest rates on demand after a lock-out period. 

-ARV - 500k-Purchase Price - 400k (needs full renovation set 50k) - Down Payment - 20%-1st Hard Money Loan - 250k interest only 3 year term -2nd - Hard Money Loan - 70k interest only (interest accrues to earlier of end of term/sale/refinance) -Rate TBD but assume around 10%Investor would get a discount on ARV and be cash flow positive during the holding period.

Go look at historical numbers for any 10 year period and see what that looks like in terms of appreciation and rent increases and I'd be extremely happy with those numbers even if I was paying retail. 

My favorite credit union is Navy Federal, because they offer a long draw period.