I do have the option to pay cash for the home and then re-fi if needed but I am unsure of the seasoning requirements.

@Andreas F. I

The process in which you provided would be beneficial and cheaper, due to eliminating the higher APR on the balance transfer, but it is still possible to have to pay a balance transfer fee or have interest begin to accrue immediately due to some financial institution (FI) considering a balance transfer a type of cash advance.

Can you please confirm my understanding of this strategy is accurate...so, I buy a cash flow property in the following manner:Purchase Price: $100k (including all entrance costs aside from down pmt...)Personal Cash $25k (down pmt. on 75%LTV loan)Mortgage $75kAmortization 30 yrs.Interest Rate 5%Monthly Payment $700 Rehab Costs $12kTotal Personal Cash on Deal $37kARV $130k (after rehab and 6 mos. seasoning)then...Re-Fi (estimates not including closing, current principal balance, etc...)Mortgage $130k Amortization 30 yrsInterest Rate 4.5%Monthly Payment $800Loan Balance $75k Cash at Closing $55k (mortgage - balance)So, in this example I would be able to repay myself for the initial investment ($37k) and clear the difference to re-invest, etc...and the mortgage would hopefully be low enough to still cash flow?

Re-Fi (estimates not including closing, current principal balance, etc...)Mortgage $130k Amortization 30 yrsInterest Rate 4.5%Monthly Payment $800 Loan Balance $75k Cash at Closing $55k (mortgage - balance)So, in this example I would be able to repay myself for the initial investment ($37k) and clear the difference to re-invest, etc...and the mortgage would hopefully be low enough to still cash flow?

Since you already own it & have history of paying you should be able to do a standard re-fi, or at worst they'll call it a cash out re-fi depending on if your hard money lender placed a lien on the property or not.  

@Trevor Ewen   good point when I stated building homes in SC... I

After a year or two you can repeat the process and not have to re-fi the first property.  

We invest in the central Valley of California along with Charleston, SC. I

Hi  my name is Donnie and im located in Greenville sc. I