Apparently our DTI is too high for the HELOC so we can do a cash out refi but that is less desirable because it means we cannot then get the loan for the rental property despite having 25% down.

Make sure to find one that has flexible pricing options with out high volume minimums.

Looks like the petrodollar deal just expired and Saudi Arabia has said it does not plan to renew... what are your thoughts on how this will impact real estate?

If so, how high should it be so I can find my yes?

Hi Prabhash, A lot of my investor buyers have targeted the south Florida area for their purchases due to location and high rental demand. 

You need a high FICO. 

I highly recommend staying well-informed about tenant/owner laws.

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The loan for your acquisition was only entered as a 1 year loan?

@Wayne Kennoff- thanks   1) getting a personal referral is a good place to start 2) if you have narrowed down the options to a few -  contact both on the same  days and ask them for whatever  quotes  for your scenario ...ask for a loan cost worksheet  if  possible .  ...if their pricing ends up being  the same - make a decsion based on the  feel  for  cutoner  service you get when communicating with them.   3)  make sure they  disclose all the fees  related to the  refinance  ( not just their  own fees ) ..4)  reviews are   hard to  use to make a decision ( as you found out ) 5) rates are pretty high right now for rental  properties ....if you can wait to  refinance - you might consider doing so ...if you need to refinance - so be it ...Good luck