i went with the conventiinal it was a 6 state bank they are super nice said i qualify for VIP banking where everything is free incuding cashirs checks.

If it were me I'd flip the breaker and tell them your plan (super-friendly) No need to fight this.  

If I am super confident on the cash flow after expenditures (loan repayment, cap-ex, vacancy, maintenance), I don't think that the refinance will be too difficult to obtain.Good luck with the BRRR strategy and thanks again for the advice.

:)NaDean Bowles I don't know much about lease options.

I found a home equity lender that can do 85% LTV, $600 in closing on $50-100k for a rental property.

BPers: Any recommendations on lenders that can beat this (if your goal is to limit your out-of-pocket cash)?

Muti-family is super hot in Toledo right now.For giggles run the numbers on you buying a $100k duplex and renting out the top and bottom for $600 each (you would take one of course but project it like it's a full rental).

Is that super low or the standard?  

I have called a bunch in the area and they seem super expensive compared to what we pay in Colorado. 

I've done my own taxes in the past but next year is going to be super complicated with my wife leaving her job and starting her own business and I'm going to be possibly buying a couple of places so I'd like to find someone that knows some tricks

Super excited to get started.