We have several avenues we can explore with a situation like this.

I would check with Dennis Kahn at Homestead Mortgage or another popular mortgage broker here, Zach Starnes or there are several other lenders that can re-fi off appraised value much sooner than 1 yr.

I have helped several investors recently acquire single family homes around the $400K price point that rent in the $2,200-$2,350 range.

Of course it has been several years since I used either and currently I myself am searching for the "right" software.

I've used a CPA for several years for my investment properties here in GA.

My wife’s inheritance gone, my Ira gone, had several other things in my life going on.

Even on here, I hear some of the most azz backwards advice with many alluding to things as being imposable where I know several people who do it.

Also: I must have mentioned the request several times so it was clear.   

There's been several arguments on here with people using historicals and gaslighting folks that dismiss them. 

Similarly, if you put several Class D tenants in a Class A 4-plex, what do you think will happen to the property?