Consider it a sign of success if you get that large and be prepared to pay the going rate.John Corey

There are lenders who are not concerned but those lenders will charge higher rates, have poor terms and pre-payment penalties in many cases. 6 or 12 months seasoning will open up all the normal lending options.As Scott mentioned you really need to understand the refinance assumptions before heading down this path.If you want to pay commercial rates and terms many commercial programs will let you use the appraised value.

Maybe there could be some sort of data base or sticky thread with that info.state county transfer tax (% or none)Yes, I agree that new loan docs will need to be prepared and signed.

Let him know that you are prepared to report his actions and sue for damages.

Be prepared to close on the deal and hold if the market turns.I want to encourage you to be a RE investor.

If you want to go check it out just call and they'll schedule you for a walk through - show you the pricing and selection, but be prepared for a hefty sales pitch.

Firstly, there are rehab loans for primary residences that allow for the purchase price + rehab costs + up to 6 months of mortgage payments during rehab + closing costs to be rolled into the loan amount (and an allowance of 6% seller concessions too)...As to your mortgage lady, she might; 1) not know, 2) not care, 3) not offer a rehab loan program that allows for these features (although highly unlikely).

In any case be prepared to show them how you came up with the offer at some level.

I'd prefer to do some of the legwork preparing the filings myself instead of paying some lawyer to do it, but that's an entirely different subject.Thanks again...

I've never actually used excel or anything before, assuming that would be the typical program for setting that up.