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!

@John Cook Often times, niche experience is more critical than geographic location.

Critics in the house don’t like the fact that the Child Tax credit relies on past year earnings and people who don’t pay any tax can qualify for a direct payment.

As mentioned already, the most critical would be a real estate attorney who is also well-versed in private money lending.

That's more critical to the protections than merely filing the certificate of organization. 

I was only suggesting that I had a concern where a company admits they are challenged when it comes to communication -- communication is perhaps more critical than anything else in my dealings.

The most critical part of the operation is finding good tenants.I currently self-manage my own property as an out-of-state investor in Arizona so I have some experience.

This is the critical document for you. 

Know how to take constructive criticism.

The no appreciation piece is critical, that doesn't sound promising but this would be a longer term play 5 year occupy, and then full investment rental.