Other option is try to come up with extra money to refi into a long term loan.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Figure out all the extra expenses of utilities, management, perhaps hot tub, internet etc. go low on income and high on expenses and see how the numbers look.

Maybe if you can take a week of vacation or sick time or PTO or whatever you can to get some extra phone time in.#4 Before you do any of that while you're prepping to get started is detail out all your databases. 

It could be any side-hustle you want just as long as you like it and your able to save some extra $$$.2.

That said, some lenders might be open to negotiations, but you’ll want to be extra careful about the terms.

It could be any side-hustle you want just as long as you like it and your able to save some extra $$$.2.

Don't forget to factor for this - upon moveout, we reasonably expect to cashflow around $500/mo, which will allow us to maintain and hold for as long as possible to collect appreciation and yes some extra money toward the next investment. 

I would consider the mini-split an extra amenity and ALSO a BACKUP heat source.

Likely not, but if you don't mind taking the risk and spending a little extra in taxes (from missing possible deductions or misunderstanding the law) then that's ok.