Hi, brand new here.  

So this might be a repeat question.Anyway I'm 37, bought my current home back in '09 for 250k. 

I'm not necessarily planning on staying in the short term rental game long term, but our market is under-saturated with STR and since I bought the house with cash, now would be a great time to experiment with how I like STR and if I want to consider doing some STR's with some future BRRRR properties.  

I had a similar issue in a 4-plex I bought last year. 

im stuck on 3rd R of BRRRR.i bought triplex financed my downpayment and used total $45k to fix up now cant afford to refi cash out to repeat cause need 2-3 months of reserves ie $3500-4500 in personal not dba account. i only have dba and i spent it on fixing 3 unit and rehabbing my new personal residence. both have equity but no one wants do Heloc with me credit is 700. owe $79k on triplex ARV is eta $225k based on noi , gross rents $2995 net monthly is $1850, moved into 3 unit for 5 months while fixing then tried refi while living onsite but needed 1140 rent to meet debt 2 income ratio to buy primary residence and b4 moved out i  tried refi via VA but  told need make 6 payments first. so i hunt for portfolio lenders...no luck yet tried 4 in Maine. once moved out tried refi triolex conventionally with veterans unlimited, and quicken loans. both failed me on dumb minutiae wasted 3 months.now spent all my original financed money to fix up triplex and rest money to buy, move and rehabb my primary and now have no reserves. im living off my rent incomes. cant save up need buy 6-8 unit need 25% down plus rehab costs.sitting on 3 acre river front 1500 sqft camp with 2 barns 35ft from river that needs rehabbing but owe $52k ARV is $190k. holding is $550 month, needs $50k rehabb any lenders offer no reserves and 100% besides VA and no seasoning?

How long do I have to leave in my house before it's considered my primary residence  I'm thinking about moving back into my duplex  so I can refinance it I say owner-occupied I bought this property  3 years ago I live in it for 2 years  I haven't leave in there for one year  now I'm thinking about going back but how long do I have to wait before I can refinance .

He bought it awhile back as a personal residence prior to joining the military, and couldn't keep up with the payments.

Bought a foreclosure with an fha loan and moved in for a year.

There were people who bought at the height of the market who are doing just fine, it's just their stories are not as sexy.

Bought it at a good price with a hard money loan.