Unlike true multifamily, meaning the county or city has the property categorized as multifamily, you can't use potential rental income from the additional units to help you qualify (if the home is single family per the appraisal, that is).

If you do not feel comfortable pursuing additional growth, I'd wait it out just a bit. 

Additional charges will be added to the next month's rent and due and payable at the same time.

(Call it 20% federal and 5% state ($15k in income tax, plus the $45k in additional taxes you created.).

The main factor is will rents cover the debt liability and can you sustain 3-4 months of no income to cover the debt? 

No additional analysis or criteria considered.  

We have a ongoing list of each along with their fees and what state they are licensed to collect debt in.

Some offer it as an additional rider for more money.

The refi or additional debt of any kind will impact the current performance of your property I'm never a great fan of selling a good producing property - unless I am certain I can improve the overall performance of my portfolio. 

Due to my W2 employment I cant have any bad/negative personal debt.