After this conversation and having an agreed upon vision, save it as a "Version" of the vision on that particular date. 

Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!

(I don't have $10k liquid, are there other options or do I just need to save-up for a few months?)

Start with BiggerPockets Ultimate Beginners Guide (free).

A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant who specializes in real estate taxation, business taxation, financial planning and tax planning.You may want to consider working with your accountant remotely to expand your options.I would also recommend looking for a accountant willing to work with you throughout the year.

Start with BiggerPockets Ultimate Beginners Guide (free).

In the end I refinanced THE DAY rates bottomed and they immediately started going back up.

Typically they charge a percentage of the amount saved. 

As you purchase more, your net worth will go up more quickly than the savings in interest with the other option.

They specialize in uncovering all encumbrances and can save you from unexpected surprises.