With this question, I'm specifically asking if having the first mortgage will delay the refinance, perhaps by allowing lenders to invoke "seasoning" requirements.

This type of policy has the insurance cost (and commissions) minimized so that most of your cash goes straight to the cash value. 

That helped me to realize that oftentimes, delaying gratification leads to more satisfaction of the simple things.No, you don't need Top Ramen noodles for lunch everyday.  

Seller financing or creative negotiating to minimize out-of-pocket expenses.

I’d like to give them this peace of mind at a reasonable price and minimize ongoing maintenance with our doors.

So, if you can find a great deal, you may be able to borrow enough to cover the purchase, buy closing costs, interest, and rehab and have minimal or no cash out of pocket.NOI is net operating income.

Do you leave them empty, or do you stage them completely, partially, or minimally?

Of course, your going to claim that you do not need the extra time, but due to the upcoming holidays, your concerned about delays.

Hey Team,Im a real estate agent in Cleveland and I'm gearing up to make my first investment.Background: Strong backround in construction and real estate.Finance: minimal down payment, financing available.My niche is going to be buy-and-hold rental supplemented by an occasional rehab.

I could always use some experienced insight Hey Andre, Sorry for the delay in getting back to you- it's been crazy the last month!