To me I would rather flip for a couple years making it possible to get to the 117 much faster if that was my goal

We just deeded the house back to me prior to closing. 

She will be turning it over to me (everything in my name, Deed, title, mortgage) with about 83k left on the house.

I was told by my lender that i couldn't do it again in 12 months, can only get 1 FHA loan at a time, would have to refinance into conventional, but that would require a 75% LTV when refinancing, i dont think a year will allow me to pay down to 75% after putting 3% down, if you have a client that does this somehow, can you elaborate please, would be a great help to me an others im sure, thankyou!

Do I need to transfer it back to me personally before trying to get a refinance loan?  

They seem quite low to me. 

You know what Mexican food always does to me.

There are HMLs out there who will do non-recourse loans, but with higher down payment and higher rates, it never seems worth it to me. 

This is kind of new to me because my first multi was financed privately, and I was already living in the property when I refinanced to a conventional mortgage.

This is new to me so I'm hoping for help to shoot holes through it too...