2nd questions; I Just got pre approved for a non QM product: 20% down, 8.25% interest rate, 12 month pre payment penalty period, 2 points, and Conforming Conventional product: 25% down payment, 8% interest rate, no pre payment penalty, 1 point fee. 2-4 unit in Ohio.

You have to have a good handle on what your hold time will likely be and what capex will need to be done in that time period, and be sure you price it accordingly when buying.

Whether that is possible, and it may be for short periods of time, or not doesn't matter because its a WRONG thing.

As a follow up, is 12 months the minimum owner-occupancy period prior to a refi and change of primary residence?

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Then you have the efficiency of the heat source an 82% efficient steam boiler versus a 95% hydronic boiler.

Is the holding period calculated from the purchase date to the sale date?

If you are just wanting someone to go and check on your property periodically for walk throughs I would try and find an agent that is close to the location of the property. 

. $111 per month savings or $6,660 over the term of the pre pay and it would cost you a little over $5k upfront... so if you keep the loan through the prepay period you profit $1,000 bucksif you keep it the full term it's a savings of around ~$35,000Most DSCR Lenders dont allow rate significant rate buydowns these guys do (Lowest I can go down to 5.999% but that's paying 6 points total) and we're correspondents with them so it would close Lightning Fast...a couple more, this is kind of fun...Lender 4: Ooooh, interesting...L4 - Option 1: 7% with 2 Upfront BUT...