For funding, explore options like FHA loans, personal savings, or creative financing, and focus on New Jersey markets that align with your goals, such as Newark for rentals or commuter towns for house hacking.

$600 a month wouldn't be enough for me and serial refi costs money, generally loan time also. 

They have also outsourced their TAX SERVICES and despite my constant request to expedite my tax filing so that we can apply for a CRITICAL BUSINESS LOAN TO EXPAND OUR BUSINESS, THEY SAT ON OUR TAX and BOOKEEPING files for 7 months.

I spent years there in Jackson did probably 1000 flip loans to locals and owned at one time 200 sfrs..

Based on the numbers seems like it was a straight forward conventional loan...any challenges?

The LTV of the loans I’d conservatively gauge at about 35 percent.

My company is licensed in 31 states for owner occupied loans (check my profile) and I can lend in 45 states for business purposes loans (nonQM and dscr loans).

They say as I have just seen they will loan money.

I'm learning more about loans and such as I used the VA.

Here’s some guidance to help with your next steps:Hard Money Loan: Hard money lenders can often cover both the purchase price and some rehab costs (up to 70-75% of the after-repair value or ARV).