If I do not have a W2, am I still able to refinance into a longer term mortgage after I season the property? 

If I do not have a W2, am I still able to refinance into a longer term mortgage after I season the property?

I am unsure if you are a seasoned investor but I have found multiple that are active on biggerpockets and do not get owner's title insurance for relatively new-build properties.Besides a potential Indian-native laying claim to a property or a ballistic missile destroying my property, I wonder what else makes owner's title insurance a good investment when I plan to circulate the property after 5-7 years. 

Online, it says that the best time for rentals is spring so I figured that I would use winter as a goal for purchase to give myself enough time to prepare the property for rental season in spring.However, what would you say is the best time to buy property?

Are you finding this to be very seasonal?

n These states will not allow for the program District of Columbia, Maine, Maryland, Nevada, Pennsylvania, Washington, West Virginia.At at 660 fico its 35% down, 680 fico its 30% down, 700 fico is 25% down, and 740+ its 20% down no income, min 12-24months of reserves required.20 maximum financed properties allowed and only 1 month of asset seasoning so you dont need 2-3 months of bank statements just FYI.Rates are in the 9’s and interest only is available for 25% down+, ARM’s and Fixed available. 

You can change the percentage after close with an addendum and the lender doesn't have to be involved.Have the structure worked out before you do anything, but know that you'll need a business bank account and the money that's in it will more than likely need to be seasoned for 60 days. 

With most lenders you can pay additional points to buy the pre payment penalty down, or maybe consider a 2 year bridge loan if you need seasoning before refinancing.

Now, lenders aren't a fan of you using HELOCs, so you may need to take it out and just leave it in the bank for two months for seasoning (confirm with a loan officer). 

Find a way to see what the maximum utilities may run, factoring in different seasons etc, your internet and charge 1 flat fee for rent.