Still analyzing every day but having trouble finding deals that cash flow after rehab, especially with the property taxes.

Having a 24 month term on the front end will also make my job easier doing the take-out loan when it's time to refinance into permanent debt, because there's room in there for a full year of tax returns to have been done in the middle (if your exit plan is to sell, it'll also make it easier on your buyer who will presumably be willing to pay a higher price if they can get an A-paper good mortgage).Ask for a 24 month term, tell your contractor you want it done in a year (and make it financially worth their while if they can pull it off), internally/mentally plan on 18 months, and I'm putting you on notice now to do your tax returns on time, rather than extending them (don't fight me on this, please just do it).Trying to get a renovation mortgage like this for only 1 point is likely a waste of your time, but if you want to ask, after you've secured the above as a 'done deal,' go for it, can't hurt. 

We charge $2200 + fees and taxes in January and $2300 + fees & taxes in February.

Is there a place that I'm supposed to be looking up the details like taxes, hoa, photos, etc that is understood amongst each other?

@Gustavo Mendoza it really depends on the tenant and state/local laws.Class A tenants, usually having 680+ credit scores, can be held accountable for a 12 month lease.Most Class B tenants, 620-680 scores, can also.With Class C tenants, under 620 scores, many won't care if a lease is 12 months or MTM, they will move when they please.

You could also potentially look at a line of credit if you have enough equity in the properties, but again that would require appraisals. 

And you also should probably be talking to local lenders, typically going to be local small mid-sized banks and or credit unions.

We will use proceeds from the str to pay the note but may be missing some tax benefits with this structure. - The land was homesteaded under the same parcel ID as our primary residence as it was next door and will be carved out at sale. - We have lived in the house more than two years

You said you checked the county website for the property tax records.

I am a realtor myself so I can save on fees but my assumption is if I sell I end up somewhere with $200k that I would then need to pay capital gains taxes on.