I am optimistic on my LTR revenue and forecasting only 10% down but at this point the LTR is pure speculation and a trust in my tenants. 

Based off the listings for these I don't think either of them look good, but that is purely based on the information provided in the listings stating low economic growth and rent increase potential.

But unless you're getting a much lower rate, for loans under $200k, I encourage not to refinance if you're doing purely for a lower monthly payment.Here's an example:$80k loan @ 5% = $429/month$80k loan @ 4.5% = $405/monthAs you can see, the difference in monthly payment doesn't change much.

But this is purely conceptual and I have not done research on the topic.

Take a hard line right now and wind up with an un-evictable and pissed off tenant which is a stupid business decision from purely a numbers perspective.Work with them and you may be able to utilize parts of their federal support, have them treat your property well etc.And no one is “entitled” to anything, you included.

If this is for TX LLC/TX property, then sure, if purely for TN property/entity, then I would suggest finding an attorney licensed there.

I got my AZ license about 18 months ago purely out of curiosity and wanting to learn more (hanging inactive). 

If it were purely about numbers then I think you have a much harder decision, but one of your options has the word “dream” in it, so I’d say you have you answer.

I went ahead and took the EIDL purely for the cheap money.

Run the numbers both ways: with you living there and after you move out and hold this as a pure investment property.Your loan fees are bonkers high.