Obviously, you don't want to pull the trigger on a re-fi if you are about to move.At the end of the 5-year term, your rate is very likely going to go up, and the increase could be substantial.

The original plan was to wait a year and have a borrower re-fi with his mother (3rd heir) being a co-signer.As it always happens, people change their minds.

In other words, you can't buy a house and re-sell it within 90 days for more than 20% more than what you bought it for (good luck trying to justify a higher price) to a buyer that is applying for an FHA conforming loan.Here is an article on the end of a waiver that eliminated this rule:http://www.latimes.com/business/realestate/la-fi-harney-20141019-story.htmlNow, in my experience, banks were not paying attention to this waiver, and required a 90 day wait anyway, just to be safe.  

Open to any advice you can offer Alexander; by the way I like the website my wife and I are actively pursuing FI and its done nothing but improve our life.  

@Henry Centola Is this your primary...if yes, a HELOC is the way to go if you want to assign additional debt to your property...if no, you may be limited to a re-fi...PEN FED does HELOC's on non-occupied to 80%LTV if you own less than 3 properties...

This wouldn't work for a BRRRR cash out re-fi, since we would have $125k all in with purchase and rehab.

I'm an active investor here in Simpsonville, SC! I

I am lucky enough to have a good W-2 job that i love but i need to get to FI so that i can enjoy time with my growing family.

I own in Jacksonville and have less than stellar experience with PMs there...and many of the issues I see with current PMs is a bit on the predatory side of taking advantage of inexperienced home owners out of state.Semper Fi,-Nate

I am looking to connect with other investors in the area to build my network and create a path towards FI.