Your choices are a higher fee, or a longer turn-time.

Another concern to consider is the selection of service providers, you don't have a choice in who does the work for the warranty company. 

@Steven Lee Brown Jr A popular way that is thrown out a lot on BP is to drive for dollars.

@Robby Williams It's a good choice!

@Dasia WashingtonI agree with Bill, best choices are for the new SFR with the mother in law suits.

If I understand what you're describing, it sounds like your lender is being particularly aggressive and probably does not want you to refinance out of his/her loan product, though that is your choice.

@Gregory Cannan A HELOC is a very popular way to fund your real estate as it is flexible, allowing you to take out fund when needed. 

I do plan on getting a backup generator but there’s a one year backlog ughPlumber is pushing for me to switch to a new propane heater to heat both units.My concern is running out of propane and having the pipes freezing...Someone suggested to me that electric baseboard heaters are a good choice and cost effective.

Anyway, that's the basic choices you have when you are refinancing residential properties.  

Plenty of choice here, happy to chat as well.