If you want to do people a favor you can get their offer(s) in writing and then when they try some bait and switch on you - report them to the state and national licensing boards.

A bend don't break approach that is still favored across a variety of materials used including steel reenforced masonry.

When tenants aren’t able to achieve long-term success, they’re more likely to move out in search of a more favorable location. 

I would imagine the neighborhood has favorable appreciation. 

Excuses don't count and the judge will find in your favor.

It could be a single family as well, but with your cash position it seems favorable to go a little bigger.

They said lock could not be extended (it was a very favorable rate), and they want to increase rate about 0.5%.   

Refinancing next year would likely allow you to lock in a potentially lower rate than the 8% you're currently at, especially if the market conditions continue to favor lower rates.Avoid Duplicate Fees: You're right in thinking about avoiding duplicate fees for the refinance and HELOC.

FHA can be a great option for financing too, because of the low down payment (3.5%) and potentially more favorable interest rate terms.

Very high risk and nearly impossible to make the numbers work for long term buy and holds even back in 2017-2021 when rates were favorable.