Originally posted by @Riley Gilson:Full disclosure, I haven't read through all of the comments as we seemed to be going in circles a bit.From a bank sales perspective, I would only recommend this if there was a dramatic difference in rate.

Good perspective.

Hello, I'm looking for any perspective as I have no real estate experience.

4) If yes to #3, then may I have the link for such a information from a Limited Partner (investor) perspective?

If it's tight or you're uncomfortable with the tenant you have in there from a confidence perspective, especially if this is a first deal, maybe meet in the middle and get a lender at 75% or 77% (doesn't HAVE to be at 5% increments) that wont make you season, and leave a bit more money in the deal, but sleep better.Overall, if I cash flow well, have/keep reserves, and am comfortable I fixed everything in the house, I like to max out the LTV on refi.

Everything is about DSCR from a banks perspective nowadays. 

I have a similar perspective, as I am right on your heels with the same decision, so I'm naturally inspired. 

While I agree the rent by the room strategy can be great if you know how to manage it well, from a lending perspective, a lot of 30 year DSCR note buyers won't allow properties with individual room leases, so it could make refinancing more challenging. 

Just wanted an outside perspective. 

Ben,First from a Bankers point of view you are over extended from an LOC perspective and its hurting your DTI and future approvals.