If you need to, consider the days on market average to place a tenant in your local area during this season… aka ask a PM about that… Having said that.

The planning documents showed it next to or in a seasonal creek and we knew it wasn't there from the direction the pipe left the residence. 

@Mac Wheeler - Many of us are filling up fast for the tax season but happy to speak.

The following bullet points paraphrase those comments:We want to avoid an unforced downturn by overtighteningIf we wait to see lagging variables like unemployment and inflation return to a steady state, we could easily overtightenWe are starting to see the economy slowingWe are now in a stage where we need to be thoughtfulA slower pace of rate hikes should be considered at this pointAll of the above is very important because it suggests the sentiment exists among Fed members to begin to consider a rate-friendly shift in monetary policy.

These two bullet points stuck out at me.This reminds me of FSBOs that refuse to pay buyer's agent commissions, or only offer 1% or 1.5%.

I know that it’ll take the needed time/focus away from business, but if it’ll help live for free I’d be open to it temporarily.That’s where I’m at for now, this holiday season.

I actually claim it still as well so it helps come tax season.

@Robert PolancoI do business in Austin, San Antonio and Corpus Christi and I would highly recommend you spend as much time as possible with seasoned investors so you can build the relationships necessary to greatly reduce your learning curve.  

I think some lenders require a seasoning period before you can refinance and obviously you will still need to qualify for the FHA  loan (12 month owner occupancy, DTI, cash reserves etc).

You might be able to relate to this as I have been in your shoes before with tax season, etc.