I live 1 hour and 17 minutes from the Hardrock casino (precision on time indicates my frequency).

if lender is using a  score under  740  that will make it priceier than  if the  score being used is over 740  .....there are multiple LLPAs ( loan level pricing adjusters )  on this  scenario    1) rental 2) cash out 3) loan to value  4) loan size ..... maybe  contact another  lender or  two - provide  the precise  details  and  get some  other  quotes .....seems  like  a lot  of  costs to pay to get  20K  cash back ....

Assuming they made payments for 10 years, or through 2014, they would have a principal balance around $170,000 (assuming 4%, 30 yr fixed)....not critical that this be precise, but needed to estimate what lender will bid up to on auction day.So, the real question is about the refinancing.....because if I can't see a reasonable path to refinance, then there is no way I'm getting involved with a hard money lender.  

There is no exact path or precise amount of time it takes to be a full time investor. 

This is precisely why I am asking for anyone who has had positive experiences with some since there aren't many that do excellent business.

Precisely why the fed keeps raising rates and they will keep hiking until jobs are lost and wage growth slows.

Presuming the reimbursement program works precisely as promised, this seems like a no-brainer. 

I'm looking forward to meeting people and sharing more about myself and what I'm looking for precisely, but at this very moment I've got to run.

Suspend the tyranny of how and spend some time thinking about precisely what you want.

I'm sure other members can give you more precise info but I know that each state has different variables that you need to understand (tenant vs owner friendly, tax codes etc.)