Here are some initial questions you might want to ask:1) How long have you owned the asset?

Again, you would not be refinancing but actually acquiring initial financing. 

We need all of your pro forma expenses, closing costs, initial repairs, etc.

The second option is to seek private lender from the onset, and secure the initial 50% down payment and pay mortgage to the owner for the next 80 months.

They were initially willing to sign a lease with me for $400 because their rent is currently $450 and the property manager was going up to $475 for rent. 

I also was wondering, after I complete the rehab and hopefully refinance the home, I pay the hard money lender back for the initial loan and get a fixed mortgage for 30 years.

I also was wondering, after I complete the rehab and hopefully refinance the home, I pay the hard money lender back for the initial loan and get a fixed mortgage for 30 years.

My initial analysis was that I could spend $25k-$30k on the remodel and list the home for $120k-$125k, meaning a profit of ~$ 40,000.

Cozy does hold the funds for several days, but I know they’ve been paid as soon as they initiate the transaction.

Sometimes the "scraper" would take forever to scrape or it would say "pending" for 48 hours or so, so I initiated a support ticket to inquire on if I was using it properly or not and never heard back.