I have some YouTube videos that may help with some of your questions and always happy to have a call to dive a little deeper. 1. which development(s) tends to be the best for ROI/have the best occupancy rates? 

Normal mortgage rates are in the high 6's now, for a personal residence, and higher for an investment property. 

I paid about $1500 in closing costs between title, appraisal, etc, but the original loan was wiped out in favor of a new lower rate. 

How much will be the interest rate, and terms of the loan. 

Congratulations, you get to share your partners tax burden and pay the depreciation recapture at ordinary income rates. 

Also I've heard of some DSCR loans that are not too far off from conventional rates.  

Our occupancy rates have been 65-95% during the peak.

Although 3.1% is a great interest rate I tend to not get too caught up in keeping a property just because the rate is good.

Building a rental portfolio that replaces your income takes years and a lot of effort, this is especially true in our high price high interest rate market.You need to have at least a 10 year vision when buying real estate.

-Ray (see above) is the man and can get you hooked up with great rates and low-fees!