im stuck on 3rd R of BRRRR.i bought triplex financed my downpayment and used total $45k to fix up now cant afford to refi cash out to repeat cause need 2-3 months of reserves ie $3500-4500 in personal not dba account. i only have dba and i spent it on fixing 3 unit and rehabbing my new personal residence. both have equity but no one wants do Heloc with me credit is 700. owe $79k on triplex ARV is eta $225k based on noi , gross rents $2995 net monthly is $1850, moved into 3 unit for 5 months while fixing then tried refi while living onsite but needed 1140 rent to meet debt 2 income ratio to buy primary residence and b4 moved out i  tried refi via VA but  told need make 6 payments first. so i hunt for portfolio lenders...no luck yet tried 4 in Maine. once moved out tried refi triolex conventionally with veterans unlimited, and quicken loans. both failed me on dumb minutiae wasted 3 months.now spent all my original financed money to fix up triplex and rest money to buy, move and rehabb my primary and now have no reserves. im living off my rent incomes. cant save up need buy 6-8 unit need 25% down plus rehab costs.sitting on 3 acre river front 1500 sqft camp with 2 barns 35ft from river that needs rehabbing but owe $52k ARV is $190k. holding is $550 month, needs $50k rehabb any lenders offer no reserves and 100% besides VA and no seasoning?

How long do I have to leave in my house before it's considered my primary residence  I'm thinking about moving back into my duplex  so I can refinance it I say owner-occupied I bought this property  3 years ago I live in it for 2 years  I haven't leave in there for one year  now I'm thinking about going back but how long do I have to wait before I can refinance .

So if anyone resides near here send me a message or comment on here.

He bought it awhile back as a personal residence prior to joining the military, and couldn't keep up with the payments.

I thought FHA could only be used for primary residences?

Personally, I would be honest and upfront with my hard money lender about the situation.

This will be funded by either a cashout refinance or a HELOC on our primary residence, its estimated value is $180,000.

However, I qualify for an FHA loan and potentially a down payment assistance program if I purchase a home as my primary residence.

Here's a copy and paste directly from the site: There are two types of loans: general purpose and residential (for the purchase of your primary residence).

I'm currently in the process of fixing up my primary residence in preparation for an appraisal to use for obtaining a HELOC.