Refinancing Baltimore City Rental property

[Tarik Larue]

Greeting BP family,

Just finished a 2 unit rental in beautiful Baltimore city using a hard money loan. I'm looking to refinance into a conventional loan ASAP. Can anyone recommend a good local community bank or credit union in the DC or Baltimore area? I was thinking of MECU, Bay-vanguard, Midstate or Monument to name a few.

Is there usually a minimum credit score that the banks require or is the process mostly asses/ income based?

Should I get signed (long term) leases done BEFORE I look for a refinance loan?

What's the minimum amount of time I need to own the property? I've heard it was 6 months.

Thanks in advance for any responses.

Larue