If not, are there any that would allow us to refinance with no seasoning afterwards?

I have about 15 years until I retire from my W2 job with a pension.Thanks,David No right or wrong answer to this.

The biggest reward of owning and managing vacation rentals is much greater than financial; the friendships I have made with people around the country are priceless.  

My biggest mistake was thinking that I could lay down new LVP on the main floor of my last house hack, 1 month out of shoulder surgery and I quickly pivoted to a local professional.

I plan to build versus buy because Im currently working for my father, who is a general contractor in Fl, and will save on the construction costs because I can do most of the work for little cost other than materials. it would be minimum labor cost and no profit cost from contractor.

No need to pay for ongoing PM.

In July 2024, a contractor was draining the pool into kitchen drain, but the drain clogged and flooded kitchen while no one was home.

If you are looking at protecting your profit, you can have a prepayment penalty, that would be graduated, for instance, you could have a $50,000 prepay year 1, then $45,000 year 2 and so on until you get to year 10 with no pre payment penalty.Also for future reference you can get Fix and Flip loans without having to tap into the equity in your primary residence.

We are going to be taking out some equity, no not a heloc, so that we can do some remodeling on our personal residence kitchen.  

People are no longer expecting to retire from cashflow on a property.