Conventional refinance would require 12 month seasoning as per Fannie Mae/Freddie Mac guidelines, so you'd likely go with a DSCR refinance.

Quote from @Scott Mac: OK I'm gonna come at this a little sideways. $11 million worth of eclectic assets in Albuquerque to some people is not the same as $11 million worth of part of a partnership/LLC that owns prime real estate in Manhattan.

She works for Annie Mac and they're a national lender.

In California we have had these Buyer Representation Agreements for years and many brokerages always recommended that we use them, now it will be a requirement.This Buyer Representation Agreement will include how the Buying Agent will be compensated, terms of payment, etc......1 of 3 things will happen here: Either the Seller will compensate the Buyer's Agent (which is how things have always been done) OR the Buyer will have to pay for it through the lender's closing costs (which I doubt will happen because this will create a higher burden on the Buyer) OR in the Settlement Statement (Closing Statement) there may be some sort of "credit" for commission or "credit" towards Buyer's Agent or something like that which will required Fannie Mae and Freddie Mac approval (which I heard an inkling that it may already be approved through Fannie and Freddie)....for all you nay-sayers out there, the Buyer's Agent WILL be compensated in one way or another. 

This is generally due to the fact that this is how the American housing giants – Fannie Mae and Freddie Mac – government-sponsored agencies, separate their loan programs.Note that this is another example of where real estate “lingo” doesn’t always match with the standard English Language!

Although I have had experience in the past with smart locks that strictly run off internet connection with a FOB/smart device, that can get messy, and annoying quickly for everyone involved.

It's the nerdy device everyone needs.

Quote from @Scott Mac: If you paint the brick you will have to pay for the paint and the labor.

It has a very bare bones web page and the product itself is only available as an app for either Android or Apple devices.

This is generally due to the fact that this is how the American housing giants – Fannie Mae and Freddie Mac – government-sponsored agencies, separate their loan programs.