Tl;dr: I don't have enough knowledge or experience to feel confident in my next choice. (Side note, I usually consult with my friends on important decisions, but when we first started real estate investing I actually ...

It’s effectively “neutral” which matters if you’re trying to do an apples-to-apples analysis of investment options.

You are right, you cannot access the Pro Only forum on the iOS app.

Add to that a considerably lower interest rate than usual and a longish term IO loan... makes me think of more red flags than a Soviet era Mayday parade.Caveat Emptor!

The picture I tried posting above shows that this one lender sent me closing figures including 11 line items (lender processing, appraisal, title insurance, etc.)3) When I am ready to pull the trigger on my refi, should I just apply to all the lenders that were within the same ballpark and get their disclosure so I can do as much of a apples to apples comparison as possible?  

Make sure you are comparing apples to apples.

Since SFR/townhomes/condo are apple/orange/banana, it is hard to have a fair average cash flow on these different animals.  

I also work with Apple Realty and we have 600 properties under management in the triangle area.

If he's actually selling the property, he only gets so many bites of that apple before the tenant refuses entry altogether - and that can screw up a deal with a real buyer.If you were a real buyer, I'd tell you that you can learn 95% of what you need to know by looking at the location, the roof, the exterior, the common areas, the foundation, the utilities and the basement. 

Apples to oranges.