Originally posted by @Shiloh Lundahl:@Albert Ng I don’t know the guru that this thread is based on.

Thankfully the rents more than cover our avg NG $296/winter month billing, (Oct 1st-May1st).

Put  an'' H'' on your back an d handle it.It my very well be around on the forum but not practiced in Ohio anymore. 

I've confirmed it is a time seasoning not a 6 payments seasoning and this matters because then it doesn't matter whether you bought the property with a loan or cash https://selling-guide.fanniemae.com/Eligibility/Mortgage-Eligibility/Loan-Purpose-/COR/109[…]ng-requirement-for-a-cash-out-refinance-transaction.htm)For a cash-out refinance, Fannie/Freddie apparently requires 6 months time on title before refinancing.

That's like saying, "Yeah, i know the bank is on the pink slip with me as the registered owner but i sold it to a guy an he's gonna make payments to me.

And yes, connecting the dots served you well, I am NG, so my first ETS date is in 3 yrs. 

Quote from @Dean Ng: Quote from @Mike Dymski: Get a third estimate from a contractor you trust. 

Welcome, @Nancy Boudreaux-Ng!

I'm sure you'll do great @Grace Ng Just have fun with it and meet some new people. 

I helped @Matthew Loring learn how to do this an he outbid me on a bunch of stuff.