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No this is not the case there are 101 other factors Is it true of all major banks asking for part pay't NOT to refinance ?

Yes but the amount of the Part Payment is the bit that often gets you. When you paid $400,000 for one of the properties and the Bank tell you it is only worth $370,000 and you will have to make up the differene in cash. In the case of a sale contract you might only have 30 days to deliver...