I was going to add, as posted above, it's a great rate and stick with that local credit union for the future business. 

Unfortunately, I canceled about a month in when I realized the scam.I signed the contract in good faith and tried to dispute it with my credit card company, but they lied to the credit card company, showing them only the first contract I signed.

Say my original loan was $500K, my cost basis with improvements is $1M and I cash out refinance with a $1M loan (can I include the interest of the new loan into cost basis since it’s reimbursing me my cost basis)?

Look at their finishes and what they offer guests, use that as your baseline, then improve upon it.

Seek Properties with Value-Add PotentialInvest in properties with room for improvement.

You typically will see small banks/credit unions probably wouldn't be able to out-of-state, but otherwise any mid-size company or larger should be able to.

It may be worth letting them know about the prequalification requirements (credit score over xxx, salary above xx,ooo/year, etc.) in advance to weed people out.

Great hosts will be good neighbors, will contribute to local tourism and will pay their taxes and permit fees* A major area to improve on the proposal is the 1 hour time-limit for resolving complaints.

A couple issues with Credit/income on paper.

You can go up to 6.75% and get 1 point credit towards the broker fee.