You don't need to refinance out of the primary residence loan to buy another primary, but the other seasoning applies.

You can also reach out to Wealth Management advisors who have clients who are cash fluid that are looking for good "All cash" deals.I would also reach out to probate attorneys who handle a lot of clients who are getting ready to get a lump sum cash and need a direction to multiply their liquid reserves.When a buyer pays "All Cash" they can get 80% of their money back same month No waiting - No 6 month seasoning.

What is your alternative during non-school seasons when units are vacant? 

Depending on the lender, your seasoning time will vary and determine, how much cash you can pull out overall.

When the cleaners clean the bedroom, there's literally a cardstock with a greeting  on the pillows and inside the fridge there's some paper food note for them to enjoy the stay.

You are at the 12 month mark so you have hit the occupancy seasoning required but again I would refinance to avoid the FHA 100 mile rule once you have the equity at 85% or less.

We are in more of a seasonal market here.

Real Estate News in BriefWill stubbornly high mortgage rates hurt the spring selling season for the second straight year?

January and February were not seasonal irregularities.

You can find out a lot that way too.Finally - know that there are usually plenty of seasoned players bidding against you.