Looking to get a refi for 30 years with a lower than 4% rate.Type of property: Single family homeLocation of property: Diamond Bar, CAPurpose of financing: Refinance, lower monthly costs and overall long term costType of financing sought: Open to different options as long as it lowers their monthly payment and long term costsCurrent or prior ownership of real estate: Currently 1 SFH as primary; their business owns several commercial real estate assetsOccupancy: primary homeValue of property at present: $1.8 MilDown payment or equity: $900K equitySource of down payment funds, if applicable: own fundsIncome Source: They run a highly cash-based business and they've issued W2 for themselves for the purpose of their previous loan. 

You will just need a lender that has to the second lien sources that work in your area.  

That isn’t in itself a terrible thing as I assume you have some other income source that qualifies you for the loan, and hopefully this is still saving you money in rent expense.

I am wondering if anyone in the New England Area, Especially New Hampshire or Massachusetts Area has done it or may even know of a local source?  

I know people who source their own deals and people that work with Realtors here in Columbus, Ohio.

We would like to hand this off to a bookkeeper to get all of our accounting in order but we are having a difficult time finding a good source for this.

I have a very close friend who would like to provide me some seed money to source some real estate deals.

I am new to RE investing and have been learning from podcasts, books, and other sources of info for the past few months.

But other sources online seem to indicate that it's OK to rent out a second home as long as you live there yourself at least 10% of the rented out days or 14 days, whichever is higher. 

How are my fellow loan officers/mortgage brokers sourcing deals and leads right now ?