Some Banks needs seasoning (6 months to a year) before they will do the refinance.

Be aware that if you close with 10% down and then pay the mortgage down to 80% LTV or lower there sometimes will still be a 2 year seasoning period in which you can't get the PMI removed.

The money needed to be seasoned in our account for a while (2-3 months) in order to do this.

@Luke StoneMy very competent colleague @Ashish Acharya was exhausted from the tax season, so please forgive him for accidentally saying that 1099s are based on your entity.

- Will we need to allow the title to season 6 months before we could apply for the refi?

My property is within a really good high school and school starts the end of August.My question is, should I let my tenant go on a month to month or kick them out as it's prime season to get a tenant who would appreciate the nearby high school?

If you seed it and keep it moist it will come in well, especially if the weather stays on the cooler side.

Any words of wisdom  from the seasoned landlords out there?

Perhaps the children's mother picked up an extra job during the holiday season.

I find our market here is very seasonal so a Nov/Dec vacancy can be longer and I do relate to that.