But my recent refinances have had no inquiry into what I was going to do with the extracted money so I could have done this recently (but have not).The RE that secures the loan is the RE that is being refinanced. 

I live in the San Francisco Bay Area where the real estate is very high priced, however it may or may not be good for what I am trying to accomplish.Joe, do you have any contact information for personal coaching inquiries ?

If they send me the standard Zillow inquiry then I’ll ignore it because they are likely just doing that to a boat load of listing and aren’t particularly interested in our property, they just are scouting the area.

Unless something has changed, If you do them all within 30 days of each other this should only count as one inquiry on your credit. 

Most importantly, if you do the brrrr in this manner, make sure your credit inquiries, projected rehab costs (credit card utilization), etc will not affect your cash out refinance application at the end of the project.

For one of my properties that one strategy got me over 1000 (yes that many) inquiries..Hope that helps - let me know if you have any questions.

(Also new hard inquiries and new credit doesn't help either) As far as how it affects your DTI specifically, each bank calculates the minimum payment due differently, so you will have to go bank to bank to see how they calculate the minimum payment on your balance.

@Patrick M.when I advertise a property, I try to streamline the initial 1st contact as I often will have 50 or more inquiries into the property.

A regular letter will do but certified, with a return receipt might tell you that someone responded to your inquiry at least.

My job is just like an estate agent I market properties online, entertain buyers inquiries, follow up them, book appointment etc. but I don't show properties personally and I don't transact with clients.