If you're doing a rate and term refinance, there's typically not a seasoning period but again it's common for lenders to require it be rented first.If you're doing a DSCR cash out refi, it may not need to be rented first but you're probably paying a higher rate.Your best option is to call a loan broker you trust and go through the options based on your current situation.

My base income is ~$95k per year.

I don't get the term "DSCR loan"   I mean all loans for 5+ units are based more on the property than the buyer.     

@Timothy Frazier I wouldn't use the word bad because if that is the route needed to acquire a piece of property then mission accomplished however you are stacking the deck against yourself with this approach.  

I believe its an epoxy based paint. 6.

I am based in IL just outside of Chicago.

In his words, this is away around the due on sale clause that you can run into in a sub - to transaction.My question - if the seller puts the property in a trust, will this avoid the potential of a due on sale clause?

Quote from @Darrius Lloyd: Hello everyone,My name is Darrius Lloyd, and I'm a 23-year-old aspiring real estate investor based in Northern Virginia.

I’m based in Tampa and run Graystone Investment Group, focusing heavily on helping (out of state) investors find and manage properties here in Florida.Totally agree on the importance of understanding those short-term rental rules in Florida—each area can feel like its own little country with all the different regulations!

(so in other words, deposits from which bank-loan checks are issued (from the exchanged notes) is what the depositor (borrower) spends).