One thing I will also mention is that there is a communication flow to managing them that is much different than a normal rental. 

A normal market has between 6-7 MOI. 

I’m guessing that the payoff that I had seller financed gets paid to the seller, I keep the difference and everything closes just like normal?

Normally I don't like guru programs, but I've seen many success stories out of Brad's program.I think that is one thing different about multifamily vs normal fix and flip or get rich quick guru seminars. 

Normally I would agree with the above comments with regards to responsiveness, but on refinances time is not as critical and I would recommend going with the best rate.

STRs because Indy is booked almost every week for convention events.And the good old LTRs are normally in high demand.

That's not normally a good sign.

I locked my interest rate and I understand you normally can't get out of that rate.

Normally, it'd have to be a loan to yourself which only creates more debt reducing your financing ability. 

If his payment to you is exactly the same amount as your payment to the mortgage company, the judge may construe the agreement as an Executory contract.If the "buyer" has no possibility of getting a normal mortgage because of a known legal judgement, that is likely a violation of Dodd-Frank.