This account includes ESCROW IMPOUNDS being collected for the payments of taxes and insurance bills as their occur.

The plan is to sell it in 4 years once appreciation has occured.

Something has occurred causing floors to begin to grow mold.

However if it is a smart deadbolt and a normal lock on the door handle they will need that key bc they will inevitably lock that one on accident and lock themselves out. 

Kind of a misnomer since you aren't really "refinancing" any previous loan, but new debt on a previously owned property that was owned free and clear will still have "refinance" terminology label.Correct on not needing to see a history of rental income - just forward-looking, there will be some variance among lenders and situations though whether the refinance can occur only after the lease has begun or if they will allow the refinance with just a signed agreement but not yet commenced (i.e. if the tenant signed an agreement today 9/10/2024 for a lease starting 10/1/2024)

After analyzing the local Mercer County market I've noticed there are not that many MFH that are desirable meaning cash flow can occur, but appreciation, schools and good tenants will be at risk.

Had a bigger pockets buddy buy at the same time and he flew down to get keys and met the management company by accident.

Whats the exact months those mortgage lates occurred in? 

Its really going to come down to multiple factors, including your personal situation/strategy but it appears you are definitely thinking about things in exactly the right way.I'd say since it doesn't seem to be an "urgent" need - I'd advise talking to some lenders and since the rate environment is still moving quite a bit, settle on a interest rate / points combo that is "your number" and when market rates move down to that point - have the lender contact you and get ready to go, and just wait until that occurs

The PPP is only 3 years, so you'd have plenty of time to choose between years 4 and 10 if you wanted to refi or just pay if off before your first adjustment ever occurs.