There is no early payoff penalty and I can refi into a conventional loan whenever I can qualify. 

Also, I'm not a tax professional, but I think IRAs are first in, first out with regards to funds so you might be able to take out any contributions you've made without penalty or tax.

One thing that was mentioned on the BP Podcast or the Real Estate Rookie Podcast (I forget) within financing details is be sure to discuss penalties of paying the balloon prior to the payoff period.

so until the very now, I thought there is no score or reporting agency that provides your rental history, and I haven't pulled mine yet, but it seems I am screwed.So it all started from pandemic, so 3 month in pandemic landlord started increasing their rental price, and that shocked the s* out of me, that this guy doesn't care we lost jobs in this country, so as a counter measure I started purposefully pay my rents on the last day of the month, as a way of telling him do not increase my rents again(and ofc I did that because I had the confidence based on the letters I was receiving even that I was on time during the first 3 month that if you have difficulty paying rents, we and the state are here for you to give you a break and etc, and I was like if I continue to pay this rent on time, this guy thinks there is a goldmine here and he will increase my rent twice during the pandemic), due to the pandemic I was not being charged for late fees if I m paying it at the end of the month, and that's what I was all cared about.Now I am ready to move out, and I just found out that there are bureaus out there that have access to your rental payment history.my credit score is 805, no history of late payments, below 1% utilization, no derogatory, no bankruptcy, history of paying off two loans of 40k, on top of that no rental evictions, no past due(other than pandemic period, which I was paying last day of the month with no penalty), clean records, no court records, clean DL license.I don't even know if 100% of big rental mgmt companies report the payments to those bureaus(Leasing Desk, Resident History Reports, Tenant Data Services, )...1)are they legally allow to make decisions based on pandemic period payment dates at all?

If an active duty military member gets orders, you will most likely be required to let them out of their lease without penalty.

Banker's Healthcare Group (lends to med profs.) offered me a loan that I wanted to use to buy cash and BRRR, but the fees were pretty high and they weren't initially willing to get rid of a prepayment penalty.

This might have a prepayment penalty, which makes a refinance less attractive.

Is there some kind of penalty or legal consequence, given that I have not have any deposit?

Is there some kind of penalty or legal consequence, given that I have not have any deposit?

@Rob Golob Your cash out refinance loan will likely have a prepayment penalty so you wouldn't want to pay it back in year 1.