I think lenders expect there to be vacancies, which is why it also comes down to your overall financial picture.I suggest just simply move forward with the refi, and perhaps don't offer up more details than is asked.

Did you mean to address that to me?

I'd like to address something you mentioned in your previous response to me.

Please message me for further details

Thank you so much for those details.

Applicant 2 Woman and 3 year old ,  loves the apartment,  period details etc,  two days later says she doesn't want to be in a building with lead (ok by why are you looking at something built in the 1800s?)

this added detail sure helps. triple check your arv. that and the repairs are key to your success. 

I would love to hear details of your flip. 

I would be more concerned about clean title in this scenario than seeking to utilize a self-directed IRA... and am surprised that this issue was not first addressed by other respondents... for example, a defaulted mortgage based on "assignments" created by MERS "Vice Presidents" litter land records in every courthouse in America. 

If your numbers are aggressive, and you're looking for B property, it's unlikely you will find those, using a traditional agent, in Dallas.So, there's a lot of detail you need to fill in, before anyone can do anything more than simply suggest a market you might want to check out.