2) Will filing a memorandum and lease optioning the property be equal to owning the property for the 6 month period that is required to re-fi a property?

Real Estate Rewind Starting overhttp://www.biggerpockets.com/files/user/brandonatbp/file/real-estate-rewind-a-biggerpockets-community-bookGood luckPaul

Go to the BP file place and download the SFH rental analysis tool spreadsheet, this will give you a more detailed look on returns, vacancy, maintenance, with/without a property manager, etc. give it a look but looks like a good value.

File as soon as the law allows.

I am currently using UberConference - https://www.uberconference.com/ and the voice quality is just awesome.

Example: from 1bd condo to 2bd condo makes sense or maybe even 1 bd condo to 4 plex where you'll occupy one unit and rent the rest, however moving from a 3 bedroom home to a 4 plex may require a very strong LOE - letter of explanation or your file may be declined for occupancy issues - vacating a current primary that does not have atleast 30% equity based on current market value may require you to qualify for both the vacated primary and the new proposed subject property as well with out allowing you to use your rental income as an offset for your property you're currently vacating.

It is hope in vein, trust me, go look at any new mortgage file, over half of it is disclosures.

Real Estate Rewind Starting over http://www.biggerpockets.com/files/user/brandonatbp/file/real-estate-rewind-a-biggerpockets-community-book Good Luck Paul

While you are welcome to file in any state you want, without filing in the state you operate in, you are just wasting time and money to form an llc that will not do a single thing for you.

Real Estate Rewind Starting overhttp://www.biggerpockets.com/files/user/brandonatbp/file/real-estate-rewind-a-biggerpockets-community-bookGood LuckPaul