@Jordan Kaylor @Jeanette Land    Seasoning requirement is a industry term for waiting period.

Keep in mind, though, that each lender has their own criteria for how much future potential they’ll factor in, so it might come down to some skillful negotiation and presenting detailed projections that don’t feel like puffery.Just be careful not to come off as overly speculative…lenders tendd to shy away from what sounds too good to be true.Anyway, I’m curious.. have you spotted any other investors in Gainesville facing a similar refinance puzzle and what kind of terms were they able to secure? 

Quote from @Conte Cuttino: Property is in C+ area but in a different School district that’s B-If I sale I’ll get 30k profit after 9 months.If I keep as a Long term rental I’ll have to convert the garage into a illegal 1 bed cottage at an additional cost of $35k leaving a total of $107k left in this deal after 70% refi and closing cost.

Once the docs are signed you cant just change the terms without both parties agreeing..

If appreciation and scalability are your long-term goals, consider house hacking or saving for a bigger market later.

Stay consistent, set clear goals, and remember real estate is a long-term game that rewards patience and persistence!

Some programs will do the full LTV that a long term rental would have and some lenders will reduce the LTV by 5%.

I would be less concerned about the cheapest money and more concerned about decent terms and execution.

If a mortgage has a deed restriction, not allowing short-term rentals that is not imposed by an hoa or a city government how hard is it to get it removed?

But, if steady long term cashflow is a goal, with no management, one can always sell farm land on a low down private contract.