My goal is to pick the one that will last the longest and not cost an arm and a leg. 

Many hotel companies are starting short term rental arms to compete.

@Peter Morgan, Then all you need to be is stronger than your accountant in an arm wrestling contest :)

I will go armed with previous W2/paystubs and getting a letter of start date and salary is good advice. 

The exception to this is "at arm's length" LLC members.

Hi all, I remember hearing a BP Podcast about refinancing properties, there was a comment made about refinancing out of an LLC that you own - as long as “your arms length away”, but this method was not expounded upon.

That reads something like: "Buyer will increase their offer price to exceed the highest bona fide, arms length offer by $X,000 to a maximum offer price of $XXX,XXX. 

I filled out the application and provided the tenants info and it explicitly stated that they would be contacting the tenant.

I owe about $33k on that which is ARM around 4%.

Option #1: 0% downpayment with a 3.5% interest rate ARM (adjustable after 7 years) *We should have enough equity to refi before the 7th year hits*.