What is the fastest, most accurate, and most cost efficient way to get all of their phone numbers so I can market to them?

Daniel and everyone,Resurrecting this thread: I understand the recoup period calculation (loan cost/monthly savings) for a refi.

There is no seasoning period.

it's a distressed property so of course there are some things wrong.it's freddie mac REO, way past the owner occupant period which ended in january 2018. it was originally listed at 50k dec 2017. went under contract in july at 42k, now it came back at 38k. but looking on redfin it was on and off the market since 2012.its in a neighborhood where houses are selling between 70k - 135k. in fact the 135k looks just like this one and its on the same street. on the inside it's pretty nice, seems like just paint and flooring. might need new mechanicals etc and some mold in basement. so as a newbie i'm thinking, what am i missing?

Yep, if it wasn’t part of your work then you have no warranty against it....period. 

It will result in better efficiencies and calmer feelings.

I like the model, but in the end, I have not moved forward with Aurora because I deemed the waiting period from purchase close to rehab complete tenant placed to be pretty long.

Can anyone recommend an asset based lender who has short seasoning periods on cash-out-refis?

But no, I just can’t afford to pay that much for capital anymore moving forward, period.  

Here are the details:Duplex will be vacant when we close on property (the owner is moving out of the unit)Rents are potentially at least $700 conservatively, or $1400/mo. once rented outThe duplex is worth between $85k to $100k (I had a hard time coming up with exact comps)I estimate a 45% expenses (on the high end) which put me at a 11.63% CAP rateRepairs are about $35,000 (it needs all kinds of updating, but has good bones and appeal once finished)I offered $45,000 purchase payment with the following terms:$25,000 down payment and $20,000 in 18 months18 months of NO PAYMENTSA 12% interest charged only on the balanceBalloon at the end of the 18 month period (i.e. $20k balance)Therefore, 12% interest on the balance ($20,000) is $2,400Total seller gets is $47,400 after 18 months.