FSBO first then list?

[Ubersalad]

I am not certain the "latest" guideline on refinance for houses that have been on the market within last 6/12 months.

So if I am selling my home, wouldn't it be smart to FSBO first and hire an agent "under the table" and then have he/she list the house when an actual buyer surfaces?

[biliruben]

Why list it at all if you have a buyer without a re-liter? Explain what you mean.

[Ubersalad]

As soon as your house goes on MLS, appraiser is required to show it on appraisal. Lenders would not allow refinance if the house has been listed for sale within last 6/12 months. Given current situation, I am sure some owners would like to unload the house if possible, but if not, cash-out refi and rent out the house, or at least rate/term refi for lower payment.

So the strategy is to FSBO it first, using other platforms like Craigslist and Zillow to sell off MLS, invite agent to bring clients for showing and give them listing if they actually bring in a serious buyer.