2 Year I/O to refi property .Loan $150,000, secured by 2 properties. The O/O valued at $200,000 and another rental property valued at $185,000 with ZERO loans so total value is $385,000 for a $150,000 loan DR. income will not support conventail loan and not very good credit.Prewsent holder of note will foreclose as only has O/O property as security.