However, if you’re expecting to buy the cream of the crop on every purchase, you’re going to be pretty disappointed.

I started a no shave challenge. 

I still hope to find a partner interested in the type of deal I and @Tom S. have laid out above, where the money partner throws in for the downpayment and I put in the sweat equity.

That would have shaved weeks off the process.

✓Requirements for a Delayed Financing ExceptionThe original purchase transaction was an arms-length transaction.For this refinance transaction, the borrower(s) must meet Fannie Mae’s borrower eligibility requirements as described in B2-2-01, General Borrower Eligibility RequirementsThe borrower(s) may have initially purchased the property as one of the following:a natural person;an eligible inter vivos revocable trust, when the borrower is both the individual establishing the trust and the beneficiary of the trust;an eligible land trust when the borrower is the beneficiary of the land trust; oran LLC or partnership in which the borrower(s) have an individual or joint ownership of 100%.The original purchase transaction is documented by a settlement statement, which confirms that no mortgage financing was used to obtain the subject property.

The problem wasn't enough coffee it was too much Bailey's Irish Cream with the coffee:)

Refinance and shave years to help if a market crashes?

@Justin S. Have

So I contacted several PM's and had three in mind, but one of them only will take the "cream of the crop" listings in the great zip codes.

ice cream melts and concrete cracks.