(The rental market is strong - these costs are largely due to a problem tenant who recently left the property.)Both properties are rented to Section 8 tenants and professionally managed.

Quote from @Dan Deppen: One that I've seen a few times is people thinking they can sell a note based on the sum of all the remaining payments instead of the principal balance.  

By this time next year, we aim to have invested in our first rental property and improved our credit, setting a strong foundation for a successful and fulfilling future.I am open to any knowledge or advice anyone has to give as I am currently learning about real estate investing. 

Quote from @Nicholas Pugh: So based on these advantages, is this the right time to Refi or wait?  

At least a bank that you have your relationship with and super strong deposits  and could probably hypothicate them and get a under 10% rate.. just musing..

And finally, while there are likely some pro accounts that will only give you discounts if you are licensed, most will let anyone sign up, and are often based on volume spent at that store anyways.

Land doesn’t depreciate, and while buildings require maintenance, they usually gain value as markets grow, demand increases, and inflation takes its toll.Real estate investors benefit from a significant tax write-off based on the concept that properties lose value over time, even as their market value skyrockets.

Forming little groups in the background to down vote certain individuals comments based on skin color, or religion, or perceived political leanings seems like something we could all do without on this forum.

Their cap rate is based (among other things) on the current property taxes that they pay.

The Top 5 in my search so far based on minimum requirements.