Have a few arms due in about 5 years..those I will finance to fixed rate as rates lower. 

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

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

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

Disappointed they put the septic tank relatively close to the house, even though the lot is over an acre.Neither Suncoast nor SI disclosed they were building other homes and marketing them for rent at the same time -- at a lower rate.I went under contract to buy a home in Ocala from SI in Summer 2018.

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.

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

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

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.