I just want to make sure that I am able to fully validate all of the financials and not on the hook/forfeit my deposit if the numbers do not match what's being advertised. 

Solera on the other hand can accept mobile deposit of up to  $1Million!

But on the question of refinancing, well no one can predict the future.

Anything 1-4 units is valued off the sales comp approach, so no, income does not factor in.

aw congratulations on passing your RE agent exam, no small feat!

No doubt that you provide an excellent experience for your landlords.

You: "No, but I want to play for the NBA some day, and I'll need a basketball court I can practice on for hours without interruption."

However, there’s no set rule on how long you must hold the home as an investment before converting it to your primary residence, but it’s generally advisable to rent it out for at least a year to avoid raising any IRS concerns.

Adding properties at this point just adds headaches for no reason. 

No, but it will be good for the lender.