What I wrote above does not create an attorney/client relationship between us.

I am considering using one to serve as a pass through account for various small business ventures.

The lender gives you a slightly higher rate, and THEY pay those costs for you.This strategy is a great short-term strategy, because most times it takes about 5-7 years +/- to break even on paying those costs.Which is why for many real estate investors, especially flippers, this is a better strategy, and one that I educate all my clients about.Everyone is so caught up in the lowest rate, when in fact overall cost-effectiveness and knowing the long-term plan are more important than rate. 

Hello everyone! I am looking for any recommendations to lenders that do not require or have a very short seasoning period for rental properties. that service the Cincinnati area. Any help is greatly appreciated.Also, ...

Yet that doesn't matter since it was never meant to serve as a baromter for "market health" You'd be better served to pull out the SFRX index and see if it confirms or disproves your empirical data.

I think most people would be better served launching  immediately and improving their content over time.

I would not advise a client to accept a deal otherwise, as there would be limited security.Seeing as you need these funds up front to act as a DP for the bank, it wouldn't be  very appealing deal to the hard money lender. 

Big congratulations on being able to purchase two properties while being overseas and thanks for serving! 

From what you're question indicates, I would highly encourage you to have a Realtor you trust, in your court, serving as your agent.

I have a client in San Francisco that grew up here that may be a good connection for you as well.