People have failed twice now with the housing bubble and the recent meteoric increase in rates because they were gambling with the rates to save a percentage point.  

If you have savings, you can still utilize the VA and put more down and that will increase your cash flow in the short and long-term.

If that 1% saves you $7500-ish (or whatever the final costs are for the refi), then it may be a good idea.

But the more property you buy the higher the likelihood of being involved in a situation where asset protection above basic liability insurance can SAVE YOUR A_ _ !

The office space added represents a saving of $2500 a month I was going to pay in a lease for an offsite building for my expanding team and staff.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I usually try to work things out with people, saves a lot of attorney fees and makes for a better life.

Definitely make those assessments during inspection or prior to making an offer if you can to save yourself the time. 

I saved some money and decided to pull the plug in April 2024.

Are you vendor direct could be a lot cheaper on countertops, and could save you money..