For example, if the refi lender requires 6 months of seasoning so that the refi is based on LTV rather than LTC, then your HML will likely be 7 months...

No. 99.967% of the time it will be a big fat "no".So to everyone debating the effectiveness of a software, you need to realize what the scope of the software is.Software will return DATA, based on your filtering.

Do you know what you are doing based on actual practical hands on experience?

The reason I say this is that with a 5+ unit a lender will evaluate based on NOI and a cap rate, so adding a 5th unit COULD (or could not) substantially increase the value of the building and make it worthwhile to refinance and pay off the existing loan (that is tied to the "old" quad) anyway.

Per this NY Times article, the average American knows around 600 people.https://www.nytimes.com/2013/02/19/science/the-average-american-knows-how-many-people.html#:~:text=The%20average%20American%20knows%20about,do%20you%20know%20named%20Kevin%3FPer the US Census Bureau, the average American moves 11.7 time in their life, which based upon an approximate lifespan of 84 years, works out to be about every 7 years.https://www.census.gov/topics/population/migration/guidance/calculating-migration-expectancy.html#:~:text=Using%202007%20ACS%20data%2C%20it,one%20move%20per%20single%20yearSo, if the average American knows 600 people and they each move about every 7 years, that means that the average American knows around 85 people that move in any given year.How many of those moves do you want to be involved in?

I see the discussion, but it's talking about the amount "Jim" can take for the next loan, not anything about the time period between when one loan is paid off and the time until he can request a new loan.Asking more out of curiosity, I would be surprised if John Hancock had something incorrect posted on our retirement plan web page. 

I would suggest that you first get pre-qualified with a conventional lender to see if you qualify for a conventional loan based on your DTI.

The IRS taxes home sale profits based on ownership, not who receives the money.

I will be based out of Aston and will be trying to focus mainly on the Delaware County area to start my career.

It even gave suggestions on what I could improve based on what my competition is offering.Link to the operator in action is here https://drive.google.com/file/d/1C1uTqgWGfs3AMsUdDWd0FOTbVFM...Quick tip: don’t pay the $200 for this just yet.