Refinancing FHA

[Spencer Wetmore]

I purchased a 4 family home in June 2016 using an FHA loan and a 3.5% down payment. The house was appraised using comp values rather than an income based approach due to the house being mostly vacant. I fixed up and rented out the 3 units + the unit I am living in. I believe my equity in the property would be much closer to 20% using an income-based approach.

Are there specific appraisers that will focus more on income rather than comps?

Also, I heard somewhere the UFPMI will be partially refunded if refinanced within a certain time period of the loan origination date. Is this still true today?

Finally, how much do refinance costs usually run? 

Thank you!