Got an equity line of credit and borrowed from it to pay cash for the property.

That being said, I'm always an advocate for paying for mentorship to fast track your goals. 

Yes, that’s another credit union only asking for 10% down with no pmi.

Do you work with any specialty tax firms to help us small business owners get access to R&D tax credits, cost segregation and other specialty tax credits?

You want to find a balance of investing experience, but strong track record of multifamily sales (which you can see on their Zillow profile).

After the initial inspection we sent a response to the inspection asking for $21,500 in seller credits to cover the roof and furnace (both needed replaced). 

This is much lower than the costs associated with refinancing.Benefits of Mortgage RecastingLower Monthly Payments: The most immediate benefit is a reduced monthly payment, which can free up cash for other financial goals.Save on Interest: By reducing your principal balance, you’ll pay less interest over the life of the loan, potentially saving thousands of dollars.No Credit Check or Appraisal: Unlike refinancing, recasting doesn’t require a credit check, income verification, or home appraisal, making it a quicker and simpler process.Keep Your Current Interest Rate: If you have a favorable interest rate on your current loan, recasting allows you to maintain it while still lowering your payments.Drawbacks of Mortgage RecastingRequires a Lump Sum: Not everyone has the cash on hand to make a significant lump sum payment, which can make recasting inaccessible for some homeowners.Doesn’t Shorten Loan Term: While your monthly payments are lower, recasting doesn’t reduce the length of your loan.

We have about 1/3 to 1/2 of a down saved at the moment, have a 755 Credit score, and are feeling good.

Yes, your rate will change but not much if you have good credit it will go up around 5.875% to 6%.

@Justin FondrenIf your credit score is in the 700–730 range, you're in a great position to secure favorable loan terms.