I've seen it implied many times that the house must be rented for a certain period before a bank will consider refinancing, but I've never read an explanation.How is it different from me refinancing my primary residence right now without income coming from it?

@Diogo Marques When I got started (not implying that you are just getting started, just mentioning my experience) it took me 10 months to find a house to buy so you're only 20% of the way there!

I was a personal trainer, a baker, labourer and much more lol.

We received a response asking why with a tone implying disbelief.

I totally get him wanting to sign an exclusive (I tend to think of them as implied, but w/es) but the 5k?

I usually meant it to imply "nice to your face, but passive aggressive behind your back". 

Calling and asking for a waiver implies that you will comply in the future.If the first person you talk to at the IRS doesn’t give you a waiver, be polite and hang up.

Do you know how much that could cost you.Have you thought about how difficult a tenant could make your life if they insisted on strict compliance of every express and implied term in a lease.

Are you implying there is no limit to how much you can withdraw, within your contributions - from your ROTH IRA? 

At $500/mo rents  that might imply not the best neighborhood, not the most thoughtful tenants, and minimal reserve holdbacks from the previous owner, indicating much deferred maintenance.