If while asking the questions the loan officer says that the sub to property that you are getting ready to buy would become an issue then just close on the sub to property after you close on your refinance. 

You may run into issues with re-tenanting and it may take longer than you expect or cost more.  

Do you think this issue is specific to banking services or what do you think is the root cause?

We typically have a specific criteria of contingencies we are putting into place within the purchase and sales agreement to help protect our investor clients from many of the issues that arise when inherenting tenants.

Ensure you have an itemized invoice from the cleaner, which can help justify the deduction.Reasonable Deductions: Long-term tenants often leave normal wear and tear, so I recommend being lenient on minor issues.

From personal experience, there are multiple issues that can pop up and it is nice to be local to deal with them.

The issue is that if they say no, and no one else bites, I've shot myself in the foot. 

Class midwest issues. 

To avoid issues, hold the property in the trust for a year, ensure the LLC is properly structured, and consult a CPA or 1031 exchange expert to confirm compliance with state and federal tax laws.This post does not create a CPA-Client relationship.

v=srTDquLh4e8The issue is not the transfer between you and your LLC but what happened before.