Need help on a Refi

[Luke Carl]

Need to refi permanent residence to get rid of PMI.

I just closed on a property with one lender so I could go with her and not have another credit hit and she already has 90% of the paper work. 

I've spoken to a local bank via a referal and they said they're willing to work with me when I run out of DTI to get more properties. I'd like to build a relationship with them. Is it worth the credit hit and all the paper work or should I just do the refi with the other company and bring my next deal to the local guy??

Thanks

[Luke Carl]

Should i refi in both my wife and my name or just in my name? Is there a DTI benefit either way or does it not matter??