Hey Ethan, of course we are going to be biased here but some of the pros and cons:Pro: In a cut in dry answer, credit unions can offer lower rates some of the time. 

Step One: Gave them a taste of entrepreneurship (rite of passage stuff) they cut grass, shoveled snow (as a group) Team workThen my wife an I let them try their own ideas out on the world.

Fortunately, the condo has two showers. a plumber will out tomorrow, but I don’t understand how they find the source of the leak, if I can’t authorize for them to cut the dry wall on a condo that’s not mine. shouldn the owner downstairs call a plumber? 

I would not do the work without either a contract to do the work or some type of interest in the property whether it be through some type of novation agreement, contract for deed or straight sale to you.

Should I consider refinancing to help decrease my monthly payment (my current rate is 6.41%), should I cut my losses and sell the property (which I’m hesitant to do bc I don’t expect to househack again), or is there any other route I can take?

While it appears to be a clear cut case of negligence, getting financial relief can be more challenging.

Many people think that they can or should be able to cut out a realtor or broker based on their opinion of the level of effort they've made OR the fact that they went around their backs and tried to negotiate directly. 

Access was just cut off.

I was looking at your site and noticed you have some technical errors with your logo out of the fold and your face getting cut off. 

Seems like I have my work cut out for me.