This did formulate a table of income and expenses and I had the option to include receipts I uploaded for those income and expense transactions. 

Shall we get a table for dinner or just go to a bar? 

If interest rates fall later, refinancing again might require you to bring extra funds to the table, which could impact your overall investment strategy.

Most agents, I can tell you from experience, will not spend too much time on you since your so fairly new and at your purchase price your not a big fish so they will tend to put you on the back burner since heir return is not going to be a game changer.

It’s awesome that you’re looking to ramp up your BRRRR game!

Oops, game over, you lost.

I have over 18+ years in the REI game and the financing side is my expertise.  

Knowing the laws ahead of time and the process is very important but just know that lateness's are part of the game we play.

I mean like you said we don't all need white table cloths and linen napkins when we go eat.. 

Selling "Golden Tickets" has proven a dangerous game for many through-out REI history.