A semi-short answer to your questions would be:1.

been in primary owner/occupy home 20+ yrs,,,     last time I re-financed,,,  got horrible rate,,,  thinking of re fi  (30yrs)   to get payment down,,,  and my semi short term plan is to find another,,,   live in property,,  and then rent current home,,,     just having some doubts about re finance,,,     but I guess there is smart debt ,,,  to be considered,,  thoughts ?? 

But this is not like Lendinghome or lima one or Visio or any of the other semi national lenders.

WE sold 2 semi-detached for $150,000 total on separate deed in 17111

Or charge for weekly or semi-weekly cleaning with the rent. 

Assets: 10k in a ROTH IRA15k in semi-liquid investments12k in cash2.5k in a 401kLiabilities: Mortgage of 197k on my current unit1k in student loan and retail debtI am currently house hacking in a 2 bedroom condo.

What i meant is a property can be "making money" with a negative cash flow.I bought a lakefront home a few years ago in MN I plan to retire to in the semi-near future.

I think the key is to start small, be smart and it will be semi-obvious what’s the next best thing to do.

I do a gray looking wood grain with a light gray wall and semi gloss white trim. 

Take care of your properties, attend to issues as they arise, perform semi annual inspections to make sure your property is running to par and provide a clean and safe environment for your tenant.