Does the debt/income ratio hold as much weight when doing a refi? 

You start to gain some nice principal reductions each month.

Personally I do not have time to self manage so a good property manager is worth their weight in gold if they are able to place a tenant that takes care of my properties.

The wrong ones will lose you money, while the best ones will be worth their weight in profits.Best of luck!

There are pros and cons of each (there are a number of posts on this topic so if you do a search you will find lots of good information); the weight you should give to each pro and con depends upon your personal situation.I strongly suggest talking to a CPA and possibly an attorney before getting started so that you can make sure that you are set up correctly.

Price may not be issue, in which case,  reductions may only marginally improve your marketability.I will end with just some food for thought.

I've thought about doing that.there areas cost of living must be different I'm not exactly comftorable now but I live off of about 700 a month I don't even know how one person would struggle to live off of 35k unless they had a car payment and other debts weight on there shoulders and went rooming in someone's home from a current renter perspective rent is rediculasly expensive which is one of the reasons I look to being a landlord. due to her culture untill we are married she stays with family so she lives for free.

The combination of weight and friction would not allow the laminate to expand and it buckled.

Or will you be carrying a lot of the workload to justify your cost reduction?

That's a pretty good reduction in interest rate, so it may well make sense to do this refi.