Given that you've owned these properties for a while, your lender most likely used Sched E to calculate your DTI.

@Raymond E.

I am loosing weight and it is as fast as microwave food.

@Edwin E.

Once you have a year of rental income history on your Schedule E, you can use STR income to refi (Conventional).

So on and so forth LOL e

Quote from @Edwin E.: What is the maximum prepayment penalty allowed by law in Arizona in a seller financing deal, and how can it be structured?

Could you convert just the garages in to a massive “owner’s suite” convert e small building into a garage or workshop and create the ideal 4 unit for an owner occupant?

It’s not because of your genes that we don’t lose weight.

not sure about your experience but the second loan you got sounds like a great deal.most lenders really price by experience to get the really low rates very few will qualify for the best rates..Experience has more weight that fico in the HML world.