The message states that I’m a newbie in the process of educating myself and trying to network. 

We have a decent sized war chest and are in education mode to learn as much as possible.

If you want the cash out refinance based on the ARV or new appraisal you have to wait 6 months.There are several strategies to bypass this so you wouldn't have to wait the seasoning period though.Dig around the forums here and you'll see lots of info and suggestions. 

Hey folks,Newbie here currently in the education stage. 

I am buy and hold; however, during the rehab period I use 'vacant property' coverage from American Modern.

Qualify today and enjoy: Introductory rate of 1.90% APR for the first 6 monthsVariable rates as low as 4.00% APR after the introductory periodBorrow up to 95% of your home’s valueInterest-only payments during the draw period (minimum of $10,000)Credit Lines $10,000 - $350,000*Upon expiration of the introductory rate, all balances will accrue interest at the variable APR (Annual Percentage Rate) in effect for your account.

Seems like you're dealing with a highly educated populace that tends to know the value of their home (which would seem to make a direct mail campaign incredibly tough).

I am going to assume college gave her little in the way of financial education, so I think this would be a great opportunity to provide it. 

You're correct that you could take care of your own taxes with some hand-holding, education and what-not.

It would be helpful if this agent is open to educating us on LA real estate.