You will find that there are some really cool and smart folks on this website that are extremely generous with their vast knowledge!  

Either way, there's income on the table that is being missed.Last: Once you have the tenants under your own lease, you don't have to keep the early payment bonus.

So a cash-out refi is the way to go, in my opinion.The only major scenario I could support you selling in would be if you rented out your place and bought another to live in with a low-interest and preferably low-down loan (major bonus points if you house-hack by renting out rooms.)

All the other criteria is a big bonus.

They are the ones who have generously set up this fund for me.

(And to add insult to injury, they expect your Application to be handed in by next month, otherwise they say you'll FAIL forever thereafter to receive such a generous prize from them?)

Most agents do not know about the FHA flip rule... it's bonus points if an agent knows about the FHA flip rule, but I wouldn't consider it a ding if an agent doesn't. - So then the appraisal comes back, documenting the most recently sold date and price, which no one really specifically looks out for.- Then, in due course the HUD DE underwriter was getting ready to close it out, was half-attentively working through the 50 FHA worksheets and forms and paperwork nonsense, getting ready to issue the "Cleared to Close" and allow loan docs to be sent to title... when one of these 50 FHA worksheets, the HUD FHA Flip Cert (it's called something like that), started blinking red at her.It's your classic example of "the sooner you tell the lender, the sooner it can  be addressed, rather than it being a last minute surprise to everyone."

This was because my two years W-2s would be much great than the previous two years because 2015 I got a prorated bonus since I got a promotion in the middle of the year. 

As stuff got more shady I am tempted to not pay him at all I was going to give him a thank you bonus but this makes things very different in the 1 the relationship and 2 the business I want to do going forward.

I will cash out the amount I put in when possible, then leave the rest in as a bonus and a reason for me to follow the cryptocurrency madness!