To refinance at conventional low rates you need net income on your IRS taxes in past two years and YTD 2021-or 2022 if you go longer earnings averaged to be less than 43% of all total bills including the proposed payment taxes, insurance and any HOA.

DSCR loans fit the bill. 

I informed my realtor of the error, and he tried correcting it, but the seller refuses to refund the money to me and will not return calls anymore.

Also, who does their accounting, and are checks and balances in place to prevent misappropriation of funds, cooking the books, or human error? 

@Bill F. - The timeline isn't terribly strict, it's just a goal we've set for ourselves in an attempt to move quickly.

As an FYI, the home was fulling covering all bills with 3 out of 8 bedrooms rented due to the variable nature of most of these costs.In July we had a tenant turn over and some late payments captured in August.Thanks!

My tenants were confused about their utility bill, so I saw their water for August. 

Ok so I recently been thinking about using my GI bill to go to school.

After the last year and a half, knowing I’ve got mortgages and heating bills, I’d prefer more than six months.

And, in the medium future, keep in mind that if you have to error either way, it's better to error on listing too low than too high.