We live in Southwestern Ontario and currently it's a 6 hour drive to Columbus.

(I'm currently dealing with a lawsuit for wrongful death on one of my properties - fun right?)

Currently, I live in Hawaii, house hacking my own property, and am looking to expand into out-of-state long-term rentals.My goals now are to master the art of wholesaling, continue raising private money, and build a strong portfolio of long-term rentals.

My spouse and I moved to Ohio last year and we're currently renting in Akron, with the goal to househack by the end of the lease, or sooner if we find the right property.

I currently have a policy through Hudson Insurance Group where my LLC is the named insured and my properties are covered therein.  

Using the same as you Second Nature currently

The refi, worth current rates will severely inhibit your cash flow. 

If you're doing a rate and term refinance, there's typically not a seasoning period but again it's common for lenders to require it be rented first.If you're doing a DSCR cash out refi, it may not need to be rented first but you're probably paying a higher rate.Your best option is to call a loan broker you trust and go through the options based on your current situation.

My wife and I are currently looking into Allentown as well.

If your 401K is with your current employer, it is (effectively) impossible to make it an SDIRA.