Your rate is low, and if you pay the refi fees, you will really eat into what you are trying to accomplish.

@Steve MorrisWas considering living above at first but thought it would be easier to finance as a rental - do you think that puts too many eggs in one basket for a lender or does this up my odds - even though it’s still residential.

Take what I can get in income and just eat the rest, but I am getting tired of tenants causing problems ($$$) and then I have to pay to fix them.How do you approach these situations? 

And make sure your children don't eat the paint on the outside of the house.

If something goes wrong, you've invested "extra/saved" money not "desperately need to eat money"I wouldn't go to college just to go to college - while I don't think RE investing is inaccessible, I just think its a difficult path to jump into without some financial stronghold behind you.

Tata Consultancy Service leased 44,051 sq ft in May in the Parmer 4.2 building in North Austin
https://www.bizjournals.com/austin/news/2020/07/29/tata-consultancy-lease-parmer-austin.html

Kevin, I'm in the same boat... thinking of moving back there and using some of our nest egg to find properties to act as a small annuity but can't seem to make the math work (though I am barely learning to crawl with this stuff).  

The features on the app are really good.The nest egg support team was quite helpful and were quick to respond to any issues initially; but I started having issues recently.Its been two weeks since the tenant paid the rent, but I have not received it in my bank yet.

Another thing I'm concerned about is the high property taxes (in both Texas and Ohio) eating into my returns long-term as they scale with appreciation, while the mortgage does not.

In my case, I would call someone in to do the work, eat the cost, then chop the sink out the bottom and replace with a good-quality drop-in sink, or some variety of farmhouse sink installed as a flushmount.