This is done to ensure that the property has been stabilized and to mitigate risks for the lender.Since there are various lenders and loan programs available, it's critical to connect with a knowledgeable mortgage professional who can guide you through the refinancing process and help you understand the specific seasoning requirements of different lenders.If you have any further questions or need additional clarification, feel free to ask!

I'm not saying she's wrong but I'm guessing these are questions I should have asked before I did that but how do I know what questions to ask if I don't know what questions to ask (aka, you don't know what you don't know).Any way or thoughts I can try to limit my the taxes that are owed? 

Outside of that you don't have many options if a lease is active, and they haven't done anything wrong (legally). 

Am I wrong or are they?

@Mica MooreThe answer is "it depends" no one on the forum has enough info to give you specific advice.  

Looking to hear from everyone and specifically from those that have obtained their financial freedom goal within a span of a few years. 

please don't take this the wrong way but this is what home buyer's who do one deal every 5-10 years like to ask.

I sent 92 letters to duplex owners in my specific are and had 5 legitimate leads come from it and closed on one that worked for me (these are not typical results).

Any specific strategy or area you are looking at?

Tax rates are very high level, so you will want to adjust that as you pick a more specific location to model out.