Consumer spending is almost always up between those periods.

Hey Julian, As others mentioned, DSCR loans will be underwritten based off of the appraised value or cost basis (purchase price + documented rehabs) depending on seasoning period when you are looking to refi.

As I'm sure you know, this means the mortgage holder can call a note due and payable in full within a very short period of time upon learning that you've transferred the title to the property (their collateral on a loan) out of your personal name an into something else.

.- You won't extend the term back to 30 years (which is definitely part of your monthly projected savings). 

Market Appreciation is where you will make the most money over a 10-year period but is the least predictable. 

Not sure if you can extend the contract at all and try to get a cashout or a hard money loan on one of your investment properties you currently own?

(Lack of money period in 85% of the transactions).3.

I know of a lender with no seasoning period.

What's super annoying for me is that I used to be able to say "period" and it would add the . for me, now there's no way that Ive figured out to get that to work again.

It's important to keep your utilization under 30% of the credit line and it might be a good idea to show a small balance periodically.