At the end of the 5 years, are these typically "refinanceable"?

I've heard that by refinancing on a home, one could end up keeping the equity of the home.

Cozy.co has a neat looking system but I haven't used.I'm using Rentific.com for online collection.

Any suggestions for a good ONLINE course?

You can calculate the cash flow with the hard money and then rerun the scenario with the refinanced numbers.That should give you a good idea.

You might be able to discover who that agent is by looking at local listings online and have a chat before committing to a trip there. 

I found this site while doing some research on various real estate deals online.  

It's an 8-hour class and it's on-line, you can review it as often as you want.You're going into business.

One lender told me that the down payment would be $12,000 and they only do a 5 year mortgage, then it is refinanced.  

I would want to assure a clear title and the city is satisfied.My exit strategies:I prefer buy and hold and can see keeping it as a rental so refinancing when I have rental income to show might work, right?