Only when needing the lower rate to qualify for the loan. 4.65% is very low, consider we did investing for decades with 10% money.Homes usually are held for 7 to 10 years, so your savings on interest is limited and it's tax deductible to boot. 1-your tax rate times the interest rate is your real after tax cost. 

In the meantime, cut out ALL non-essential spending and save some coin.

Welcome to BP and I second joining the local REIA in the KC Metro, they are talking about Self Directed IRAs both building your own for your own retirement and building someone elses by using them as a private lender. - at least that's the topic for October.November will be a legislative update regarding seller financing and interior rental inspections and December is speed networking so you can meet a lot of people.

Time to renew my business general liability insurance Thought it might be a good idea to post here see if i can get some better quotes and save some money

Save some other money to start your real estate career.

Generally, if the tenant is willing to accept $500 or $1,000 and save you the expense of filing for an eviction, that is a better option and also serves to preserve the condition of the property. 

I'm nowhere near close to cashing out and retiring, so I am actually hopeful for a market correction because all of my current assets will still produce, and my future purchases will be made at a discount.

Now is not the time to save the fee of a CPA.

However, if it lands you with a good mentor from which to learn, it could save you thousands in mistakes you will not make going forward.

The neighborhood isn't the best, so I'm trying to decide if I should 1031 it into a better property in a better neighborhood for my family and I to move to or use my savings to acquire another home to live in.