As a seasoned dividend investor I know certain quality companies will dip and return to value levels again, even if i missed the boat the first time around.

That's what an appraisal means....to compare apples to apples in the same orchard during the same season. 

Since I still feel like I am still in the educational phase of my investment journey I feel like I don't have the knowledge to talk to some of these more seasoned investors. 

There is a time and season for everything I believe and I’ve been so blessed to have lived in SoCal for the first 34 years of my life!

If you want to refi, most commercial lenders require 1-year seasoning before they'll use a new appraisal.

That said, most commercial loans require 1 year of seasoning, so maybe that will be enough rent history for them.Another route may be HML.

Not at all, Refinance & Cash Out Refi - No Seasoning - Rates Starting at 4.5% - Up to 80% AS IS Value - Close in 14 Days

In my last post I discussed using Fannie Mae's delayed financing exception to allow for pulling the cash back out before the typical 6 month seasoning period, and in the comments @Steve C. led me to a post outlining a different approach using a LLC-to-personal loan (see https://www.biggerpockets.com/forums/48/topics/460294-how-to-cash-out-1-4-unit-property).

@Vincent Plant i dont have to wait for the seasoning period.

I had a question for seasoned real estate agents/investors: how do you set up your bank accounts?