I'm purchasing my primary home and digging in my heels to learn all I can about investing.

The spike in the demand was drastic.

The record spike in coronavirus cases over the winter dampened confidence and hurt our economy after more states reinstituted restrictions on individuals and companies.

If you put a buyer and seller together, it turns ugly, people dig in their heels and no agreement is reached.

We had a stay at home order in December when the spike in cases came up.

Yet the winter coronavirus case spike sapped our economy of momentum and left millions of people on the unemployment rolls.

Said simpler, I don't want my rates to spike just because we're printing $$s like there is no tomorrow.For you, though, maybe the risk associated with 2 rental units compared to having your primary home and one rental seems nuts. 

I think time of year combined with the spike in Corona and being shared space is to blame here.

When you find factors that could be suspicious, like sudden spikes in appreciation, take a closer look at the details of the areas as mentioned in the list.That way down-selecting can happen quickly and a deeper review can reveal or eliminate cases that initially looked good but later turned out to miss a criterium or two.

If its only 1 out of 4-5, then the income of the others can usually carry you through that bad spot.As for refinancing it, just be careful if they try and increase the rate on you now that rates have spiked.