The other issue is that you want to protect your personal assets from liability caused by your rental property.

CAPEX) that caused a NCF, I dumped that property ASAP, took the cash I could get out of it, and moved it forward to a deal where I was making a profit. 

The LTV change doesn't make sense unless there was something that caused alarm to the treasury/UW team of said lender, but they should have explained/ be able to explain why to you.

You should only have to change when your current software has a flaw or lacking feature that is causing you to spend too much work on a work-around.

Otherwise, you won't have the extra funds necessary to cover the rising costs of goods and services in the future.What causes rents (and prices) to increase?

The security deposit was about 1.5x monthly rent..... the PM attempted to collect the final rent payment but was unsuccessful.....Now according to the property management company they need to technically apply the security deposit to the rent (according to them is part of some sort of fair housing law or something etc.) vs applying it to the damage caused by the tenant. 

Background checks revealing failure-to-pays or past evictions have become more common, and you're not alone in seeing this trend in Baltimore County.One major reason for the deterioration in tenant quality could be the backlog in processing housing assistance applications and increased financial strain caused by COVID-19.

This psychological trap causes us to stick with a plan even if it no longer serves us and the costs clearly outweigh the benefits."

If the disposal broke you fix once explain what can go in it, and then tell them you will remove if it needs further repairs because they always cause issues and hey if you are putting things in the plumbing that shouldn't be there then there will be plumbing issues. 

A cash out refinance puts the cash into your bank and can be used as PITI reserves or as an asset.A Heloc becomes another trade line on credit which can potentially cause a higher DTI and lower your chances for future approvals.