My questions revolve around being able to refi a large asset in my name and the challenges I’d need to overcome in order to do that, I.e., reserves, DTI etc.

the DCRs  annual reviewed statements ext.. release clauses I have been dealing with for years so it just is part of what we do.But back in 2003 or so when I had large credit facilities for my HML company  by large I mean 5 mil dollar lines with multiple banks. these were all one year revolvers so the bank could call the loan annually and of course they did not for years up until 08 hit.. they all wanted out of real estate..

@Ryan Luby buy them a nest cam or something so that they can see the oil and have them set reminders for them to check it.

My current financial needs include refinancing, Buy and Hold loan products, a revolver to be used for rehabbing properties/possible acquisition (sort of like hard money), and reliable business checking’s and savings accounts.

I am thinking of adding a solar powered web cam outside to watch the house and to provide a way for people to go to our website (when it is done) to look at the lake.

We are going to take a small chunk and add that to what's left of our revolving debt.

My credit union loan partner said if I qualified, todays rate on 30yr fixed would be 4.25% My fico score is 780/790+ range, revolving cards only.

This info was provided by the bank:address: 1124 Route 94, New WindsorPurchase Price- $599,000INCOME Gross Rents $88,664Add: CAM Reimbursement $11,478Total Gross Income $100,142Less: Vacancy & Credit Loss @ 7% $7,010Effective Gross Income $93,132EXPENSESReal Estate Taxes $18,500Utilities $28,000Total Expenses $46,502Net Operating Income $46,630 $46,630 $46,630 Annual Debt Service $36,628 $28,176 $34,997(See below)Cash Flow Surplus $10,002 $18,454 $11,633DSCR 1.27x 1.65x 1.33xAnnual Debt Service Option 165% LTV / 35% Down ($213,850)Loan: $397,150/ 15 Yrs / 4.57% / $3,052 P&I $36,628Option 250% LTV / 50% Down ($305,500)Loan: $305,500 / 15 Years / 4.57% / $2,348 P&I $28,176Option 375% LTV / 25% Down ($152,750)Loan: $458,250 / 10 Yr Term/ 20 YR Amort / 4.57% / $2,916.46 P&I $34,997Alternatively, every year they have a delinquent property tax sale where the deeds get sold and you can get a poroperty for really cheap.

I am assuming you do not have a car, this would be much higher with an auto payment and insurance, can be lower obv.Any other outstanding bills - revolving credit line payments, misc, etc. - $200Utilities - $400Total Monthly Spend: $8400Now I didn't plan the math this way but it worked out to be exactly about what a 200k earner would bring home, post tax, each month - which effectively means this theoretical person is living paycheck to paycheck. 

On a serious note @Cam Chan, internet banks are A-W-E-S-O-M-E especially if you want to keep your emergency funds in a savings account with an interest that makes sense (still less than inflation but heck more than .01%).