Its a condo apt that i’ve had for 4 years now, my current loan is 10/1 ARM at 3.375%.

An ARM can cause problems down the road. https://www.investopedia.com/terms/a/arm.asp

@Ryan RavenWelcome to the world of commercial finance.Without W-2 income, Fannie Mae and Freddie Mac will not touch your refinances.You could go with a no income verification product, but expect your rate to be in the high 6's on an ARM at around 70-75% loan to value based on the NEW appraised value. 

Same here... but all we can do is get educated, learn from others’ mistakes and armed with the knowledge gain on this platform/forum, take action!

We have another investment property that we had as our primary home for years, fixed up and did lots nice projects that we knew improved the home but we also enjoyed ourselves.Fast forward to now we are looking at this investment property that has 1 big safety fix and is in good shape other than that.

I’m going from a 5% 30yr fixed rate (FHA) to a 30yr 3.375% (5yr ARM).

I am under the impression that with good home insurance we could match the legal safety of an LLC without having to jump through the hoops of all the tax implications of an LLC.

Hello everyone, first of all I'd like to wish safety upon everyone in this community and hope you and family are all keeping healthy in these times.

With that in mind, I would have no issue doing a loan with an arm if that is the option that makes sense. 

@Mahran Izoli, Structural engineers look at two main things: (1) safety....i.e. are the joist(s) or its connection going to fail, and (2) deflection of the joist(s)...i.e. how much they dip.