When you replace them the new ones likely wont' match exactly, age, smoke and whatever will have stained the original.

Fortunately our tenants have been paying but if they were to stop paying we would be notified which would prevent many months going by without us being aware of a problem.

Paint or stain - match the window trim, match the walls, or contrast. 

Funny how growing up in a place all your life, can prevent you from noticing all the change going on. 

Also has anyone had the Lack of a W-2 Income prevented the Refi.

You have to start at one end and slowly work towards the other - sort of like putting self-adhesive shelf paper (Contact paper) down, if you have ever done that.The veneers I have seen are just plain wood, so you have to paint or stain them to match what you have. 

I paint or stain the wood to get hardwood floors in my home. 

Preventive maintenance, strong tenant screening, and good management will produce the most predictable outcomes.

Having said that there is nothing that prevents you from wholesaling a property if you are not miss-representing what you are doing and making false promises to the seller.

How I do it is keep the water/gas bills in my name (for exactly why you do to prevent liens), but build into the lease that tenants are responsible for the bill.