This process can take a couple of months if the tenants are cooperative, but will likely take 6+ months and possibly over a year.Do you know if the tenants for the subject property are cash tenants or program/voucher recipients?

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@Raj VardhanI agree with @Evan Polaski regarding the 6-Month Seasoning Rule: Most traditional lenders require a 6-month holding period before you can do a cash-out refinance.

We would need a lot more information... is this a month or months?

Like you mentioned, there are lot fees that need to be paid monthly.

Their members are a bit older but some of them are looking to start transitioning out of real estate and are making off market deals at the monthly meetings. 

Meanwhile, waiting 4 months will cost me $3,500 in interest, - though less than a second DSCR - and will prevent me from making another purchase and rehab, which I potentially can do all in 4 months.

It can be up to $500 for placement and then $25 - $100 for the monthly fee, per animal.

Conventional loans jumped to 12 months seasoning about a year ago.

There is a meetup in the South Bay that happens each month so maybe that's sort of like a REIA, but it's definitely not a place to learn how to flip or be coached.