If you can refinance and still achieve a healthy cash flow with all of the rent bumps and renovations that you have done, then I would do that.  

For instance, month to month rentals in the area are popular because of remote workers needing time away from the Bay Area or LA and also a healthy market of traveling nurses drawn to two nearby hospitals. 

Seems to be a healthy local economy with 3% unemployment to boot from looking at census data.

A tree can grow, but only if its roots are given a healthy foundation.For those of you out there that must continue to sit in desks and yield to the authoritarian ideologies of instructors, do not be disheartened.

I am confident in the healthy cash flow and I am up to taking on more debt to attain as many units as I can.

My buyer agent wants at least a pre-offer inspection, but at this price, it's not as relevant.https://www.redfin.com/MD/Capitol-Heights/5406-Bye-St-20743/home/10995968I'm always willing to give a healthy deposit, $2000 on the $100k range.

The tenant has a credit rating in the mid 800s and very healthy income, plus strong references.

5% is healthy appreciation these days, good going. 8)

Now as more of that has cleared their books and they are making new loans and are healthy again they are wanting to increase margins.How does a bank increase margins??

Orlando-Kissimmee-Sanford, FL Metro Area12.41% Change of Rents 2009-20149.48%   Change of income for renters 2009-2014looks like a healthy market Check out the rest of the countryhttp://economistsoutlook.blogs.realtor.org/files/2015/03/NAR-Renter-Research-70-Metro-Areas.pdf