.), plays a big role.Generally, there are three main refinance options for BRRRR method investors: Conventional loansBank/credit union loansDSCR loansConventional loans are generally defined as loans originated under GSE (Fannie Mae/Freddie Mac) rules and guidelines and securitized.

They can also be great for situations where you are looking to secure a property with more conventional financing, but don't have enough time to close with the original financing.

Originally had an order in for 3x 8' culverts that would be roughly $547 each because no one had them in stock.

The original basis carries over up to 300k.

@Michael K Gallagher We originally planned to build three houses on the lots (1/3 -1/2 of a block).

Ran across FasterFunds lending where they defer paying origination fees upfront and make it payable as part of the payoff.

I published an 11-part series on all about DSCR Loans here on BiggerPockets in case you haven't seen them yet - should be very helpful hopefully!

As a joint owner, only her share would receive a step-up, and you'd still owe capital gains tax on your portion based on the original purchase price. 

It's not the difference between 11.5% or 12% or 1 point or 2 point origination. 

Almost zero positive feedback actually so that really answers my original question.