Many lenders have a "seasoning period" before they will let you use a new appraisal for the refi.

But once your seasoned you realize unless you are truly a theif or bad person ... threats of litigation are just that threats and most people have no where near the experience or financial wherewhithal to prosecute TRUE litigation.

@Spencer HardingThis is a good season to be renting in our area.  

I'm looking for a referral for a seasoned, investor-friendly Title Company in Arizona.

We are a community player and the utility service gets paid.For utilities that can become a lien on the property if not paid, the utility company sends us copies of the tenant bill, notification if a tenant account is past due and warns us if the account is in danger of utility shut off.

Most lenders, after a short seasoning period, treat those coming out of bankruptcy better than those with good credit.

For you seasoned property investment owners, how different do your lease agreements look now compared to the first one you ever brought to the table for your first tenants?  

Bill of sale, receipt, cleared check, etc.If your down payment money is seasoned, i.e. has been in your bank account for two months or more, then you need not worry about the source.

The main rental season is the summer and holidays, and if you brought in $1000 per week, you might see about $12-14K for the year.

In general you need to season the loan for 3 months or more, but you can sure churn some quick cash that way.