My contractor has gotten impatient waiting for him and has started taking matters into his own hands (he did the jack hammering of the floors which my plumber said had "complications" and would "take forever to get through"). 

or you can reach out to a broker who can shop 80 lenders in a matter of minutes for you.

Is risk the what matters most when refinancing?

So why does rent point matter.  

It doesn't matter how long it takes for me to get back rent from the US feds.

Maybe that's exactly the right move here.. just wishing that I would be able to find deals that are a tad better to make the numbers work (ie. pencil out a small positive cashflow, to allow for the occasional unforseen issue that is bound to come up, particularly as the portfolio gets bigger)If your business cash flows well, it does not matter much. 

Either way if you personally guaranteed the note, yes it will affect your personal credit no matter who the property is titled to.

Fortunately - we have a good relationship with our servicers and can get frictional matters that arise rectified/resolved relatively quickly, but the frequency of said matters could certainly be reduced.

If you’re selling and you’re going to buy another rental no matter what, if you probably do a 1031 unless you have almost no capital gain or depreciation capture.

Interest rates don't matter (much)!