I always look back at the previous year, and without fail, the best deals we get are in December and January. 

NOT the bank's own money.  

I may be misunderstanding your question.In an "assumption" (it's an actual banking term with a definition) the bank takes you though the same hoops as if it's a new loan.

Looking for in country contacts banks, agents, contractors, recommended areas, etc to prep for a productive visit.  

Looks like Whitestone is failing. 

If you ever see someone offering terms that are too good to be true, you might as well just post your SS# and banking information on IG.

PLUS, if a bank decides at the last minute they don’t want to borrow you money for a new type and price range of property for you.

I would get on the phone with a local lender through a local bank. 

The bank will make you leave 25% equity in the property - but you also still want the property to at least cash flow some - so be careful how much equity you pull out / new debt you take on.I would do a cost benefit analysis of what your actual gain is in cash-flow on buying a new property with a (currently) higher interest rate (if financing), versus just holding on to the current appreciated property and enjoying that cash flow.All the best!

Non-QM I can do things like bank statement, self-employed, ITIN, Jumbo, blah blah blah.