Searching to see if any lenders are doing a cash-out with no seasoning period. 

.- **No Late Fees or Penalties**: During the forbearance period, you won't be charged late fees or have delinquencies reported to credit bureaus.- **Repayment Options**: After the forbearance period, you won’t be required to repay all missed payments at once.

Loan Structure & Payment FlexibilityYou mentioned a 10-year interest-only period.

Did the tenant stay for the stated period?

I would look more closely at the rate and PPP period if the fees remain the same from lender to lender.

You could offer to do month by month to see how it goes for a set period of time (eg 3 months) and then if it goes well and she's comfortable with her expenses, to do a lease at that point.

Are the rental properties located in an area where there is no risk of extended periods of vacancy or large rent decreases during all economic conditions? 

Especially considering this performance is over an extended period of time.  

I can definitely help you find refinance solutions that fit your strategy, including options with shorter seasoning periods and up to 75% LTV cash-out refinances.I have relationships with dozens of private lenders who cater specifically to foreign investors, all of which offer flexible terms that could align with your goals.

For sms i send out messages to people who have opted into my website over a 6 month period and its worked well