So here are the guidelines which stipulate only one must be met:Combined rate reduction within the specific requirement.A reduction in term meeting a specific requirement.Changing from an adjustable rate mortgage to a fixed rate mortgage.can you reframe your application to meet one of these?

You walk out (after a few weeks of course) with your original $70K back (maybe a hair more after closing costs), an extra $175/mth of income on your 1003 application (even though your real income is much higher), and you go do it again. 

Somewhere it mentioned initial SBA funds are exhausted but businesses are still signing up for applications on banks portals.

The other issue you run into is that by law you must have an applicators license to apply the products.

Is there a software that would: 1.

Applicant.

Again, I'm not sure what code is applicable in your situation but in my situation, it was 1/3 of the minimum required floor area for a bedroom (70 SF in my municipality in PA) had to have at least 7' high ceiling.

Hey Blaine,Treat the current owner as your first ever applicant for your newly acquired multi-family property.

Very true Joe,Illinois, and Cook county in general, already has tenants friendly laws in place and many tenants are trying to take advantage even more so now with the pandemic and the eviction ban.I drafted a letter for my tenants, similar to the one here on BP, to explain the pandemic situation and its effect on landlords and tenants, and responsibilities of each.I also am letting my tenants know that if they lose their job or have hardship due to the virus they need to fill out an application, that I created, to verify the hardship. 

Please post the full "Closing Disclosure" and "Uniform Residential Loan Application" from that 3.XX% "non owner occupied" refinance, the docs you signed at the closing table.