Most banks I’ve talked to require a 6 month seasonal period.

Listed it for short term rentals was doing great - double the market - then one guest asked to buy it and I sold it for 200,000.

Though I plan to live in it for the short term, potential house hackAny advice on how to negotiate this deal?

The short answer is likely yes through what's called the Ellis Act.However, you will have to pay relocation fees.

They can modify their list as many times as they'd like prior to their ID period expiring. 

They do all the work you collect the check.Write fantasy short stories - Using Wattpad you can connect with 80 million readers and find ways to monetize your short stories.Do a course - Udemy or Coursera allows you to easily do your own course and are the most used.Newsletters - Essentially you create a newsletter on a niche you are curious about and put it behind a firewall.

So here's my question:Is it normal to take a pre 90 day LTV to recoup the purchase cost, wait the seasoning period, and refinance the rest of the cash out at a later date?

We can get a second home without putting anything down (VA loan), move into the school district we want and a much nicer home for our growing family:Current home (want to rent this out):One of the largest lots in the area 1/100 lots in an area with 1000's of properties that has navigable water which is our water, at 2.75%, 280k remaining $1650/month, rents $3000 mom will be lending 25k over 5 years at $500/mo payments, and we will use a property manager $300/mo = rental take home of $550/mo incomenew home (hypothetical estimates):$550k @ 7%, paying ~$3300/moWe will have a period of 9 months starting Dec 2024 where we would be at about -$100 where our older daughter goes to pre-k for $1150/mo and infant is in daycare for $1650/mo.

@Olga DaiselThe short answer is: you depreciate $200,000.The $100,000 plus the demo costs will be capitalized into land value. it cannot be depreciated, but you will eventually recover it when the new property is sold.The long answer would be too long.

During this process the late payment got reported to collections and I shortly after completed the payment.