But I also understand some people don’t really care about the cash flow as much as the security of not having to worry about a vacancy or whatever.

Quote from @Brandon Weis: We have historically had in our leases that renter's insurance is required, but we had been lax on enforcing it because owners didn't really care and not all tenants had it.

(not letting emotion decide how much your property is worth") Ideally, yes.But let's be honest-- most agents don't care about getting their client the best deal, but just closing the deal particularly on the buy side.

Where would somebody find such a person that even gave a care???? 

I'll be honest with you, in my experience, I have never seen a Investor care typically about the existing financing, or what was owed on the property.

Start by building a solid team, analyzing deals carefully, and making your first purchase to test and refine your strategy.Good luck!

You have to be very careful in who you listen to.

I don't know your skin thickness but know I do it with love and care for your improvement, there is no insult meant by any of it but fact is we all gotta suck, learn and try again before we get great, right. 

So first, I'll answer your question then I'll tell you what I would do if that matters or you care.1) I don't see a need to choose one or the other. 

Now, youre under the gun on a refi needed to finance another purchase and the loan you were counting on isnt - and never was - available to you because of an error that wasnt caught due to a lack on internal quality control.