The plan is to sell it in 4 years once appreciation has occured.

This account includes ESCROW IMPOUNDS being collected for the payments of taxes and insurance bills as their occur.

Something has occurred causing floors to begin to grow mold.

I told him the second  occurance if it’s due to TP again then it’s on him.

Kind of a misnomer since you aren't really "refinancing" any previous loan, but new debt on a previously owned property that was owned free and clear will still have "refinance" terminology label.Correct on not needing to see a history of rental income - just forward-looking, there will be some variance among lenders and situations though whether the refinance can occur only after the lease has begun or if they will allow the refinance with just a signed agreement but not yet commenced (i.e. if the tenant signed an agreement today 9/10/2024 for a lease starting 10/1/2024)

There is probably little harm in trying and with a very low anchor like that it may help you shave a point or two off.

Otherwise you can do great harm to a seller that is reliant on the sale agreement  if you are unable to assign the contract.

After analyzing the local Mercer County market I've noticed there are not that many MFH that are desirable meaning cash flow can occur, but appreciation, schools and good tenants will be at risk.

Whats the exact months those mortgage lates occurred in? 

A) It's the right thing to do, B) By lying, you will potentially harm another landlord down the road.