We do have a very heavy snowbird season from roughly October to March.

Not to mention storage, appraisal fee, inspection, HOA apps. 

Refinancing - When you purchase (as in the due diligence phase, not after closing) you need to understand your "take-out" strategy and how that will affect your timelines, and seasoning requirements.  

After seasoning it will be just the appraised value.Rates will be around 4% for residential 30 year and 5% for a commercial 5 year loan.

Banks will require credit, seasoning periods, income and DTI requirements, as to where PML's won't.

There are lots out there run by full time professionals: multifamily, commercial, self storage, performing and non-performing note funds......

Would the first floor work for self storage?

With a PML, some offer no seasoning period or income verification.

Just found one yesterday that will do refi with no seasoning period!

We put 4.5k into the property to make it appealing to both investors and families alike before listing it on the MLS. 2 offers within 7 days in the "off" season!