Hi Joseph, You would need a 2 year seasoning period to qualify for a government loan (FHA) and a longer period for conventional unless you had a documented hardship situation, such as medical illness, etc where the loan can underwritten manually. 

Quote from @Dan Illes: Quote from @Jay Hinrichs: I bought a home in Kelowna some years back and learned about all the differences in the mortgage market there..

Ergo, all that time, Ill do OK on the deal but it made it more obvious I dont want that. 

I have a meeting with an investor real estate agent and she is gonna talk to me about that front and Ill see where I go from there.  

Ill be looking for home equity loan, over a property I completely own (paid cash) . 

I"ll try to be as objective as I can here. :) Having the insights that I do on this landscape, I'd recommend checking out Lead Sherpa and you can determine on your own how it matches up.For one, our model is all inclusive.

Ill send you a PM.Hope this helps! 

I've got a great agent ive used in the past, Ill send you a PM with his info

Yeah ill try reaching out to him. 

My property taxes are high - around 9k a year.I’ve been out of touch with the market this year dealing with an illness and I’m trying to make the best decision cause this is my lifetime investment and extra income.