Not because of a poor work ethic or the need for someone to push me along.

Check out the Fannie/Freddie websites for general terms, or speak with a broker/lender for more specific terms.I've underwritten 30 year am with non-Agency lending sources in the last 30 days (Banks, credit unions, etc.); if the asset is in good shape and performing, and the borrower/guarantor is strong, shouldn't be any problem finding 30am. 

There are also members who are sociopaths who are mostly correct in their advice but their communication and delivery is so poor that the OP is not going to follow it.

The first three local banks I spoke to either only finance based on purchase and renovation cost or have a 2 year seasoning requirement to refinance on appraisal.Does anyone have a recommendation for a specific credit union or bank that refinances commercial loans based on ARV off the bat, or with a 6 month seasoning?

The tenant pays for the background and credit check.

Getting bonded is dirt cheap, and if it weren’t for insurance costs I’d bet there’d be more contractors out there.you need good credit to get a bond that I think is a stumbling block to some in that industry. 

Looking for a broker or a credit union avenue.

Books: Rich Dad Poor Dad, Think and Grow Rich,  How to win friends and influence people.Podcast: BPMentors: @Ben Leybovich, Tom Krol, Joe McCall for the US. 

From what I heard, the people behind the home warranty fix issues within the property very poorly and when it comes time to replace an appliance, they give you the dead end of the stick and say “it isn’t covered”.

Over the past six months I have been listening to the Bigger Pockets Podcasts and reading a couple of the books that guests recommend (Rich Dad Poor Dad, The Miracle Morning).