My home mortgage is 4500/month, practice loan 4000/month, Student loan 1000/month.4.

They don't always know their loan balance. 

What's the cost and paperwork associated with the subject to loan besides the usual closing cost? 

Quote from @Trevor Toft: If you pull out the equity, you'll have a second loan to pay and you'll be in a negative cashflow situation.I bought my first house in 2000 while in the military.

I'm in the process of exploring my options for obtaining a very short term bridge loan (30-90 days) and am reaching out for some guidance and recommendations. 

Mortgage insurance falls off of a conventional loan at 80% LTV if you request it and 78% LTV automatically. 

I'm afraid if I don't put instant booking on, I won't get any inquiries. 

So, she could get a better rate on her auto loan - which is through a local hard money lending company that typically charges 25%+ interest rates on crappy cars that won't last the term of the loan.So, if you can't just look at the application data subjectively and without emotion, you should delegate it out.

Hello, I'm about to close on a BRRRR and I don't have any underwriting spreadsheet for a hard money loan into a conventional refinance after the Rehab. 

I think if you have a commercial loan you might need to get it in an LLC or with some DSCR loans.