I have reached out to him on occasion and he has helped me with my questions, at no cost! 

That being said, Tom has, on two separate occasions, taken his personal time to help me and I never felt that I was being sold.

I personally talked to Michael on 2 different occasions as part of their weekly round-table.If you want someone to be more like a mentor and help you structure the deals, close the deals and be like your right-hand man, then this won't work for you.  

We also paid Roto-Rooter over $600 (split between 2 occasions) and have paid half upfront to a roofer but they haven’t started the job yet and won’t before the year ends.

Premier Bank has come through for me on a couple occasions.

Christina LaBorde I have used Incfile on 2 occasions and haven't had any trouble so far

Tenant shall also be responsible for any plumbing system freeze-ups occasioned by Tenant’s negligence.

There are occasions where, in the future (but less than 12 months) if something changes your circumstances (such as getting a new job that you can't commute to) then you can probably get away with moving, because your "intent" at the time of the refinance was authentic. 

For instance, in your example (btw, we have had multiple occasions where this happens in the past few years) if you paid $200,000 for the house, put $40,000 into reno, and then closing costs, commissions, etc. were $15,000 you would simply add all this up and that is your basis in the property.

I've had concrete two story stairs collapse; a full room plaster and lath ceiling fell due to slow roof leak, narrowly missing occupants; kitchen waste line main was blocked, several floors above were draining out of our kitchen sink...in a million dollar plus 2 bedroom condo...for a couple of days, as the people below were out of town also so there was nothing reported; I've had Tenants on a few occasions walk out the door leaving EVERYTHING behind; a well known Bail bondsman vacated a property that had apparently let multiple pit bulls live and crap throughout the multi-million dollar house; Military Tenant who was separated from wife, but she came to visit, they fought, SHE got a TRO against him, and of course she had no income and paid no rent for the several months it took to evict; Another Tenant, quite elderly, lived in a walk up and had two yappy little dogs.