I'm hoping to refi conventionally at least on some come June/July so I'd probably stock pile cash until then.

Now concentrate on improving the rent on the other unit, and stockpiling for the next buy.

It’s true I didn’t have the cash stockpiled in a bank account somewhere, but I did have an option to stop paying the mortgage on top of utilizing my reserves, something I largely forgot about once the extra payments were in place.

Many banks will allow you to use the equity from the one property to fund the purchase of another.Now, it might make sense to sell and stock pile the cash away, waiting for a better time to invest. 

If not I'd sell your place, stock pile cash, and make sacrifices until you find the next DEAL. 

I'm not in a hurry to stockpile properties like I mistakenly was in 2004-2007.

I am looking at buying my first rental property but I am concerned about non paying tenants so I am holding out until next year and stockpiling cash to buy up property if they do tank but it could be that they shoot up as well. 

You don't have to pay for your C-class tenants stockpiles of aged kobe beef if you have a good lease.

My most recent was a hoarder with 30 weapons, hundreds of knives, stockpiles of survival food, rooms full of camo and camping gear, etc.

She had no money.I packed her up two bags of groceries from our stockpile, and bought over-the-phone an enormous bag of dog food for her dogs that the store then loaded into my husband's van.