My goal of refinancing was simply lowering our monthly spending to reallocate towards future investments.

Nor took any action against 2 Trillion induced losses during GFC, by any banker or rating agency etc, but suppose it can't hurt to get some of your frustration out by filing a complaint, and the RADD managers may be dumb enough to give you back some of your money, as they purported to in 1 review (probably a lie).If I were in RADDs shoes today, I would have 2 choices, file bankruptcy and disperse assets after paying all liabilities, probably <50 cents on the dollar for investors, or do what they are doing, which is to go to church every day and pray for lower rates and tell the investors to go pound Sand. 

If you can come up with an extra 1.5% and finance with a conventional loan you have none of those downsides, a lower monthly payment and PMI only until you hit 20% equity

@Carlos Ptriawan how do you mean, "management required the LTV to be lower than 50-60 percent" ?

Airdna wants me to lower the price but I also do not make enough, still better than $0.I will link my few, one has a long-term renter https://abnb.me/AQJoTn3zJpbhttps://abnb.me/ZMAc7i5zJpbhttps://abnb.me/GtVbaF6zJpb

HELOC: A cash-out refinance could be more beneficial if you're looking for a lump sum to purchase the new property outright, particularly because interest rates may be lower than a HELOC.

Or if you want to swap higher returns for lower maintenance you can look in to FIG (fourplex investment group_.

Pay off the highest interest debts or consolidate into a lower interest rate.

Congrats on your success in acquiring the duplex that now will yield 6.5% cap at current lower rental rates. 94115 is a great zip code to be in.

Who cares about lifetime interest costs, except to the extent you can easily lower them (refinance to a lower interest rate) to increase your cashflow.