Hey Travis, I purchased with a HELOC and will be refinancing once my Reno is complete. 

The next deal we found another partner, and on our third deal, our partner was instrumental because he had a strong balance sheet, but we were the operators.After the third deal, we were able to start refinancing the deals.

We would not be able to finance a $50k property on a DSCR loan - that would need to go the route of a bridge loan and look at refinancing once the value-add was complete.We can work on properties in multiple states at once, though - that's no issue.• A property is 800k and seller is willing to carry 400k at 0% in second position.

Generally second liens are refinanced at some point, especially if the proceeds were utilized for a long term project or financing.

@Paul Halphen Not sure if it's any difference, but it would be a first lien position if I refinanced and paid off the seller from their note. 

Highly recommend DSCR in refinancing from a hard money loan.

I don't remember exactly what it was now but like @Don Konipol they are looking at it like a business and if the property doesn't perform as a "healthy business" then they are out on refinancing.

I know that a "subject-to" (sub-to) arrangement might work, but is there a way to release the other spouse from liability when using sub-to, or is refinancing necessary?

Kevin,That's a very vague and brief appeal.What product is being refinanced? 

I am marketing toward Subject To prospects and I have never seen this particular topic regarding refinancing sub to brought up before.