For my real estate investor friends, we have always underwritten our deals based on the deal cash flowing under current market conditions and not speculating on needing to refinance when rates are lower.

Hi Steve,You could put a second position loan on it - like a HELOAN but this will be based off of income/tax returns.

Hi Inga, You may refinance based on the ARV with a DSCR loan, with no seasoning period. 

With its diverse economic base stabilizing the rental market and a community-centric revitalization in full swing, Toledo stands out as a surprisingly lucrative market for real estate investors looking to maximize their investments.Market Trends and GrowthPrice Growth in 43620Homes with 5+ Bedrooms: In the past year, these properties have shown a substantial increase in median sold prices, rising from $139.9K to $167.4K, a growth of 19.7%.

However, based on the numbers I've reviewed, we are so far behind on housing availability right now, that this won't be an issue for the foreseeable future. 

The first one is to just trust the algorithm and let it set your prices; the second way is to have a different base price and settings for the low season.

Split the proceeds based on what each person put in. 

You can probably pay a visit and search the files for the lender name.

Based on what you said, getting yourself a survey will help tremendously, as others have said. 

But, commercial tenants, as was said above by @Greg Scott, can create longer vacancy times and may want build outs done, depending on the area and the prospective tenant.At your price point, the spread on commercial/residential will matter also based on your management expectation.