But I agree some are excessive (Accounting and Legal).  

I have some excess cash that I've been sitting on for a while due to being very risk averse but have decided that no risk, no reward. 

It’s like the smaller, community banks that I’ve gone into have no appetite for non-owner-occupied status properties or something.

Which makes sense as prices have really gotten excessive all over the place.

Your choice depends on your strategy, equity appetite, hold period, risk tolerance, proceeds level and which program you are utilizing (Fannie or Freddie).

I was told 6 months for a rate/term, 12 months for cash out.There also seems to be a general lack of appetite from cash out refi lenders, but wondering if you have seasoned yet first. 

Sometimes the investor even completes their subscription booklet, "flakes-out" and never wires money.Make sure you connect with a securities attorney regarding accepting money as there are rules you need to follow.The best approach, in my opinion, is to always have commitments in excess of your targeted capital raise.If you are raising $2.5 million, try to get commitments at 2x the raise ($5 million) knowing that some people will ghost you when you are at your critical time in the deal to get the transaction closed. 

We plan to install these in the next year or two.Once we submetered, we found that both tenants were excessive water users.

You may wish to confirm that the new 401k provider will handle the ongoing compliance support such as any required 5500 filing (e.g. 5500-ez for a one-participant plan with assets in excess of $250,000), any required tax reporting (e.g. 1099-r in the event of a distribution or in-plan Roth conversion), mandatory plan updates and amendments, etc.4.

Excess funds are placed in the savings account where I build up my reserve for capital expenditures, taxes, insurance, or building a deposit for my next purchase.