You definitely do not need coaching on anything right now because you don't want to pay someone to make your decision for you.

The catch is, my current interest rate on the conventional is 2.87% and I'm positive it will nearly triple if I refinance with a DSCR so it's a tough decision.

Any investment decision should be based around your personal investment goals and your Investment criteria.  

Fast will definitely be a negative.The only impact I can anticipate with the railroad's presence on the zoning decision is if the railroad divides you from something you want to be part of.

Start small with your limited cash and avoid decisions that will take you out of your investing game. 

@Robin Hopkins I have 1 LTR in Denver, NC and it was a wonderful decision.

And there’s legal risk, the risk that either through insufficient documentation, or adverse court decisions, the creditors ability to obtain ownership of the secured collateral in event of default is compromised.  

I'm trying not to make a rash decision but also not get myself into a financial conundrum. 

Talk to your CPA before making a decision.

This is obviously incorrect information and does a disservice to Veterans.