Will seasoning apply to me if I try to cash out refinance?

“Where is” applies to something that is mobile….vehicles, boats, equipment, etc.

In some instances, the tenant may have over paid and that can be applied as a credit going forward. 

Have you talked to them about applying for the Emergency Rental Assistance Program (ERAP)?

You apply and are granted a HELOC for $50k.

What if a person got a decent credit applied first and another did it later BUT got a better credit?

The argument for 10%,20% etc is lenders can leverage secondary market and argue "above market" rent can be applied towards down payment - which truly does help someone who cannot save up for a down payment and feels like they are building "equity" in the home.Of course you are free to make number whatever you like but i see between 0-25%

If you apply and are not approved or accepted, you get the money back. 

How it applies to your deal, and how much debt as a percentage of other capital and debt, determines your percentage of equity ownership.

Just like the folks on BP encourage partners without money to apply a skilled trade to get into deals, you're offering the same thing with development.