Don't know how much renovations will really cost, again, either PM or GC conversations.  

The forms are online, and it costs $100 per filing. 

It did not cost me $0.01.  

Would a cash-out refinance to free up equity and keep growing be a smart move, or should I focus on paying down my existing debts?

You will incur more lending costs but you will only be in the first loan for 6 months.

$10K savings to you or higher cost to you? 

You'll spend some time watching the videos and in return you will get some free education. 

Free healthcare free cell phones free housing.  

This will allow you to mitigate risk on the first property but also allow you to do a cash out refi on the second, so now you have access to tax free cash that you can do with whatever you please.

Your team can provide valuable insight and help you avoid costly mistakes down the line.5.