The math will tell the tale.When analyzing, assume little/no appreciation for 3-5 years and anticipate rents will stagnate.

It might state you are applying at ABC Bank for an 80% LTV loan with up to an 8% interest rate with a loan of $XXX,XXXSo, if you don't qualify for that loan, or you cannot get the interest rate stated, or maybe the appraisal is too low to an 80% LTV loan for that amount then you can break the deal because you can't get the financing you anticipated but instead you are CHOOSING (based on advice of the loan person) to switch lenders.

$4K per month is what I anticipate my monthly expenses to be, with mortgage, utilities, etc.

I have seen a few houses go for way more than I would anticipate anyone to pay. 

Given the slim cash flow from the property and the uncertainty about the new mortgage rate, it's understandable to be contemplating whether to hold or sell.If you anticipate further growth in the market, holding onto the property could be beneficial in the long term.

If they are not your anticipated lender (should you need one) then they should not be copying your ID for any other reason at all. 

We continue to pursue alternative refinancing options and anticipate having a new loan closed within the next six months.

You can't really ever know when that is going to happen, but I would say it's safe to anticipate at least 3-5% appreciation a year over time. 

If you want to advertise you can advertise as anticipated vacancy and have a showing open house date in the future. or just wait and advertise when it is vacant. 

Real Estate investments generate a return in one of two ways - Cash flow and Appreciation.It appears that the investment is cash-flow negative.How much is the property anticipated to appreciate over the next few years?