I would work with the lender and put together a well thought out Reconsideration of Value (ROV) with better comps and detailed reasoning to justify the higher ARV.There are lenders that don't do appraisals for hard money loans so you could try that in the future to avoid these situations. 

I’ll keep this thread going rather than message you for any future BPer looking for info.

Work with a CPA to optimize your tax returns to reflect sufficient income for future loan approvals.

How would people here assess future appreciation in Rochester?

I am getting married next October and want to be able to hang out with my future children but it is a little hard to visualize that since I don't have kids and am not married yet.What book would you recommend to read next to really pound my why into my head?

FHA vs Conventional will largely come down to your credit score, downpayment, use, income/DTI, and future plans.

Look for future value in Dallas, TX and buy it.

For me, it has been multifamily for these three, but I am also interested in self-storage and hotel conversion, maybe industrial flex in the future.

Thx for the reply, however, my asking if this is the right time to Refi was solely based on the current interest rates and what they will do on the near future.

I won't ever close on another OOS property without walking it first but that involves paying for lots of flights and hotel/rental car costs if flying out there to make an offers but the $1500 to $3000 would be worth the cost to me to save on future headaches.