It simply becomes cheaper for them to do the deal themselves and hire the help.I am only addressing your questions and not any of the other issues associated with commercial lending that could have an impact on whether the lender allows a seller second or not.

I think I understand your question...The refi should have no impact on your tax burden (ignoring write-offs for loan costs and mortgage interest).

Most rehabbers have carrying costs which can be a significant impact.4.

2 families definitely will impact a septic system and MAY well overload it.I would not allow it based on same.

The amount of bad loans on the books can limit smaller banks quicker than larger ones and require a quicker adjustment to operations where they may not make some loans for awhile, where a larger bank will have less of an impact on operations, especially in sold loan originations.

and yeah, i know, industry research shows no significant impact on surroundings.

You still have to be sparing with it though...do what is in your best interest and don't give people A REASON to impact your livelihood because of their jealousy.

I tried to develop a market rate complex a few years ago but the impact fees were so high that the numbers didn't make sense.

In my experience it does impact your ARV.

There is no reason to pay more up front for loan costs for a slightly lower payment.But, who you do business with may have more of an impact on your operation than a few bucks or eighth lower rate.