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Ever heard of a smooth, drama‑free cash out refinance of an investment property for a foreign national? Yeah, me neither – not until this adrenaline-charged saga.

Step 1: Lining Up That Dream Refi
An Australian client hit me up wanting to cash out refinance his U.S. investment property. We locked down a lender offering up to 70% LTV cash out refinance options for foreign nationals – loan approved – bring in the happy dance.

Step 2: Remote Online Notary (RON) Blues
Title company claims they can handle a Remote Online Notary (RON). Victory! But, plot twist – the underwriter demands a “credible witness with a U.S. professional license.” My Aussie doesn’t have a U.S. licensed pal on standby… and our rate lock? Tick‑tock, about to vanish.

Step 3: Shopping Around (and Losing Patience)
Which is a head-spinning round of five different title companies over 1.5 weeks – each hit or miss, each a potential deal‑breaker.

Step 4: Goldilocks Title Company
Finally, after 3 weeks of chasing unicorns, we found a title company cool with a regular RON witness. Sweet relief.

Step 5: Rate Lock Extension… for the price of a small yacht
The lender, with saintlike patience, extended the rate lock for 3 weeks – for just $910. Because dreams come at a price.

The Payoff: RON done. Client funded. Everyone happy.

Property Details

Price: $280,000

Address: Ashwood Dr

City: Middleburg

State: FL

Zip Code: 32068

Year Built: 1995

Square Footage: 1700

Lot Square Footage: 4600

Beds: 3

Baths: 2