A non-exhaustive list of other closing costs for refinance loans include title fees, origination fees, attorney fees, flood certification fees (depending on your area), and recording fees.Your interest rate for the refinance loan is 4.5%. 

Hi BJ, Visio has programs for what you are looking to do, take a look at their rental refi programs.

That's what I was thinking but if I completed the 1 year of owner occupancy, I would think that I would be free to obtain another one if I wanted to move, regardless of the reason but that must not be how it works even though I'm putting down 15% and not using a special loan program where I'm putting super low down payments such as 3.5% or 5%.

I am a graduate of Brian Page's BNB program and a Airbnb Super Host with several listings.

You all have bought into all these real estate programs to the point where you have totally lost your humanity. 

Hello,Working on issue CRP's 2019. There was one tenant from 2019 that their employer issued the rent checks directly to our LLC. Do we issue the CRP to the tenant even though their checks came right from their employ...

They are very good in marketing about their services and programs for sure just to get you in the door.

On all my properties I'm enrolled in the landlord reversion program.

There aren't a lot of landlords that will work with this program so the Housing Authority is a good resource to find tenants.

A few ways that may help increase your reserves would be an FHA 203k loan or equivalent lending program which would allow renovation costs to be added to the loan.