I have 2 other monthly loan payments I would like to pay off or lump in with my refinance as I believe with the forced appreciation and normal appreciation I will be able to pay off most my HELOC (5.99%) and all of my Credit Card that is currently at a 0% APR until end of May.

Credit pulls for the same type of loan within a short window (usually 14-45 days) are treated as one inquiry, so your score should be fine.

Hard money, private money, joint ventures, even lines of credit secured against existing assets—there’s a ton of capital out there looking for strong operators.

I have my MBA in Real Estate Finance and stand by its power and elegance..

I'm curious why I did not receive it, as I paid in full, and it is already on my credit card!

Most don't understand taxes:  For example, a girl with purple hair at my credit union did not understand depreciation, and I did not get into Cost Seg with her because she really would not understand that. 

They might have ideas for credit improvements, debt pay downs, etc to help you get there in 2 years time. 

I have a reasonable amount of cash on hand, excellent credit, and low debt-to-income ratio.

The credit cards can be stifling, but in the grand scheme of things, $40K isn't a ridiculous amount.

When you say that you will "screen" prior to showing, does that mean a full application with backrgound and credit checks?