Refinance or keep as is

[EJ K.]

My wife and I utilized physician loans during residency with 0 down and 0 pMI. Despite that, we are still cash flowing one property 175 a month and the other 425. 

If I were to funnel in 40-50 k it would get mr to 20-30 percent down on each. Would this be worth it?

rates are 4.4 and 4.1 on a 30

man a physician so coming up with they cash isn’t impossible