We have an existing mortgage (backed by these 2 lots and 2 others) and given the increase in appraised value there is no need to pay anything back to the lender when selling the lot.

I pay for prop stream and love the amount of detail you can add into a search. 

You pay 10% penalty plus taxes (lets say state and federal of 25%) - so you are paying $70k in taxes so your $200k is now $130k.

I went to pay them, couple of days work I'll pay with a check (1099) and cash it for them.Hey Tony, I've got all O's info what's yours?"

I did not see marketing costs, nights that you need to spend at networking meetings paying for dinners or memberships.

. - Minimum work history: 1 year (please provide references and pay stubs for the past 3 months; if self-employed we can discuss alternatives to paystubs)

If you're doing a rate and term refinance, there's typically not a seasoning period but again it's common for lenders to require it be rented first.If you're doing a DSCR cash out refi, it may not need to be rented first but you're probably paying a higher rate.Your best option is to call a loan broker you trust and go through the options based on your current situation.

Anyone over 18 fills out has to furnish their social security and driver's license numbers, and pays a fee for a credit / background check.

We just helped an investor buy a side-by-side duplex for $110k, pretty turn key with tenants in there paying $825 a side.

If this is what sub2 is, then why are people paying tens of thousands of dollars to learn this process?