I'm working with a local independent bank rather than a broker this time.As to whether I got a good deal from the brokers on the 7 or so loans prior to this one...probably right.  

Not worried about the impact on the taxes I pay, but wanting to make sure everything on my return is filled out properly to reduce my risk of getting audited down the line. 

For instance, if you were ever audited you would want to make sure you weren't falsely claiming cars, appliances, and other large purchases that are very easy to track.

It would be great if they are independant and can get quotes from multiple firms. 

Don't use the process and you're fair game in an audit. 

One of the more interesting findings from the article, Covid independent, was preference ( or lack there of) for environmentally friendly homes for Millennial home buyers.   

Answer to your question is typically not but in this case that structure is completely independent. 

The OFE may retain an independent, outside party to conduct the evaluation.

Alternatively you can 'condo' the two family into independent units so valuation is higher for the cash out refi as long as you're OK not having a ton of cash flow but more cash in your pocket. 

Develop a REI plan that includes a path of basic/specific steps of how you get from where you are now to where you want to be financially...and don't say that your financial goal is to be "financially independent".