There also may be opportunities for creative solutions depending on the seller's situation.One thing I would be very hesitant about is "no repairs needed." 

If you start your relationship with all your tenants the same way you would setup a relationship with a customer in your business you will find the landlord – tenant relationship more successful.Marketing for Success Remember there are lots of ways to find tenants and you can spend a lot of money and not get the results you are looking for.

@Parker Maher my Podio design is very customized to handle leads as the come in, followup schedules direct to the calendar, opportunity evaluation and offer assembly, communication with the buyers, flip the switch and take the entire project to rehab project management where you can solidify repair costs, send request for bids, receive the bids and award the work, track expenses both material and labor.

@Andy Mirza agreed I've been doing emergency services in the mountains with 18k pg&e customers down.

I'm sure the defense will be they wanted to get the deal done for you and made a decision to get the closing completed because that was the only solution anyway.

It seems after listening to a few of the podcasts there are alternative solutions that would be better suited to start and grow and wouldn't have to wait the 2 years to refi.My logic was that the VA Loan is $0/down on your 1st mortgage and 20% down on a second mortgage and I didn't think I would be able to afford the 20% down on a property in Hawaii.

They can figure out solutions for their own unique problems.  

Does your customers respond to that? 

Both can opine on the other after these 2 questions are answered, and together, the solution is found.

Until then solutions are just options.