I didn't need to use them much, but I used them for three flips in the past I think so it could work for your client.

I only say this because the question Bigger Pockets ask above is "did you work with any real estate professionals or lenders?"

There is DSCR seasoning that it as little as three months if you have an LLC and you would like to use the new appraised value.

@Anthony DupreBigger Pockets is a great place to find a real estate accountant. 

Also, see if you can pad your estimate with some "contingency reserves" as this way you can come do your refi only as rate/term and do not need money in your pocket at all with the rehab!

Live there for three years and move and buy again.

There are definitely some pockets of fairly priced duplexes to at least cover some of the mortgage, but tough to actually come out in the green monthly if you’re living in the other unit.

That would the extra 5k would technically come out of my own pocket, right? 

Also she is working with us with city ordinances to  see if down the road we can change it from a LTR to a STR.last two- three years my wife and I have been property managing it from across the country using handymen as our boots on the ground and I remodeled the house with contractors inbetween tenants .

The rules and laws enacted come in three basic varieties, individual states  have enacted 1, 2 ,3 or none of the following.1.