Thank you  You can do a standard cash out refinance and wait 3 months once the rehab is completed.

Market and economy added value while I maintained the residence to high standards.

Taking away write-offs for standard business expenses wouldn't make sense.

Lets take a standard 400k house and assume you and I both start with 80k in cash. 

Traditional bank loans with follow a standardized process and will generally take 20-30 days to close.

And lastly, you are only as good as the internal rep you get, don't be afraid to ask for someone better if your rep can hardly fog a mirror.  

The only way to get a standard conventional loan is with US credit, US tax returns etc...Unless you hold funds in a US Bank already and they gave you an in house loan or private loan based on assets.  

There is a significant art to this, and that is why one won't find any standard template for doing such, because each original home style/design best lends itself to different layout potentials. 

But to bring it back, I agree with everyone that said it comes down to your underwriting standards.

Hard 60 mths 5.000%BUYDOWN: NOHard Prepay Period 60 mos.In my experience I have yet to see a situation where a 40-year IO made more sense than a 30-year with IO period or standard amortized product.