You might want to work on improving that credit rating to get better deals when you do get loans.  

game, then I'd suggest chilling out with the refis, and if you want $50/month more cash-flow, maybe go ahead and think of improving some of your assets so they command higher rent. 

A loaf of hearty wheat bread, a shack in the Bay View District, and that’s about it.When looking at Denver, it still has some potential for property value improvements, and commercial rental property is still a strong choice for those who don’t have a problem hosting a marijuana growing operation.

@Paul MacInnisUnless there is a strong demand for new units (your fire just improved the vacancy rate) and you wouldn't just be pulling the better (of the poor) tenants from other properties, I would not consider rebuilding at this time.  

After dropping out of college I worked two jobs; one selling insurance and the other in home improvement retail.

.- I should add that if you're having a hard time with getting loans in the first place, it's ok to just focus on improving your credit before jumping into anything as well.

If you originally intended to live there, but life happened and now moving away will improve your quality of life some how, then you have a clear case and you should be fine even if some one comes poking their nose.

., residential vs. commercial property; improvement vs. new construction).  

You might be pleasantly surprised at how your lifestyle improves.

Even Hilltop has improved significantly.