I am always looking to be added to wholesalers lists as an investor so PM me if you would like to add me to your list.  

If that is so... then you have already paid $53,957 in interest on your current loan.So because like @Harjeet Bhatti  mentioned, you would be adding more years - essentially restarting the 30 year clock, we need to adjust for that and see the difference between holding what you got or going forward with the refi.I think your current situation looks much more like this:        On $238K at 4% for 30 years you'll pay a total interest of: $117,091 over the remaining 24 years.      

Sometimes, these can be added into the loan and paid back when you sell.

Is/are there also a book(s) that are recommended that could be added to this post?

This should be added to your purchase price in order to get a more honest cap rate.If it is livable, do not forget to set aside at least 10 - 15% of the income for repairs and another 3 - 5% for capital repairs.

That way you won't loss any part of your capital, but you'll be adding to it. 

Please let me know i you are currently working or looking to invest in the Indianapolis market and work like to be added to my buyers and / or sellers list. 

Of course there will be added expenses of buying a new home-furniture, etc.

From what I've read, the normal interest rate received on the liens they purchased (in Kentucky) is 12% - so what kind of additional premium on top of that should I expect to be added?

They asked for the leases for the first property, which surprised me since they will be adding the mortgage for this property to the 'debt' portion of our DTI and shouldn't need the lease info until we've had 2 years of tax returns showing this property, at which point they take 75% of the total rent subtract the PITI and count that amount towards the income side of our DTI.Kelly