@Karen F. I

But they are basically asking fi they can park an RV on your land.

I was personally lucky to have gotten to 11 rentals myself an essentially on the road to FI with “proof of concept” achieved before a second opinion came into play.

I was just denied a re fi by Quicken Loans because I own 20 properties. 

@Armani Diaz Just curious, how would you grade the Kissimmee area where you bought the triplex (A,B,C,D,F)?  I

@Colleen F. I

It is definitely hard to navigate the mortgages as a newbie but I did find 2 great lenders that do the Cash out re-fi that I was looking for.

Here's the Natalie episode: https://www.biggerpockets.com/blog/biggerpockets-money-podcast-112-natalie-kolodijThis is a good episode too for those on the FI journey - it's not up-to-date on amounts, but the basic outline is on-point: https://www.biggerpockets.com/blog/biggerpockets-money-podcast-54-6-ways-reduce-taxable-income-eric-brotman

How long would we need to do this before banks will consider the income worthy enough to put on a re-fi application?

Some other factors - We are near to FI and our income is low (under 40K after deductions), as we're maxing out 401K and IRA retirement accounts and not working as many hours.