Is there a way this deal could be structured from the start to avoid the 'seasoning' needed for down payment money?

I know this has been touched on in the past, but things change year-by-year and I thought I'd bring it up again.

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My DTI was a little too high (had 1 bad credit hit, and bought a harley), appraisal didnt come in, and I was not able to acheive my Heloc goal. 6 months later, I paid off my credit card, sold my first house, and released some capital and debt in my name, and hit the 1 year seasoning mark, and BOOM.

She also told me that the income from my duplex would not be counted until I had seasoned (owned) it for 2 years.I believe this is because it is owner occupied, but confirmation from one more experienced is definitely welcome.

Seasoning of 6 months is typically required before you can do a cash-out refinance at FMV.

No seasoning or anything.

Hi All:Here is the scenario:Purchased SFR rental properties 1 year ago for cashProperties held in an LLC for asset protection purposesBank said need 1 year seasoning on properties to finance, so far so goodThen bank says: can't refi while in LLC, must be in personal nameI agree to move properties out of LLCBank says: Since there is a title transfer, you need to hold in your name for 6 months before we can financeI say: What?!!

Refinancing in your name will be difficult because of seasoning issues.

In the parts of the country with four seasons, there is a season for Real Estate.

It really all depends on the season and time frame of the project.