NEED HELP WITH THIS QUESTION πŸ™

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@Bryce Pointer have you spoken with your lender on this question?  This is certainly dependent on the type of property (single family vs. multi-family) and what loan type you are using to refinance....and what loan type you used to acquire it (unless you bought with cash).  If you could provide a few more details that might be helpful to us to answer this...or you can just ask your lender you have.  They should be able to point you in the right direction.