Bank will refinance after 12 months period. What are people thought about waiting that long to refinance?

Investment Info:

Small multi-family (2-4 units) buy & hold investment.

Purchase price: $139,000

Single family with mother-in-law suite, former 2-apartment set-up. 4 bedrooms, 2 kitchens, 2 bath.
Stru...

Hello BP,
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