Debt analysis, the profit grossly changed from $21,836 to -$3,559 depending on the cost of Debt and the length of time to exit.

Depends.

It all depends on the lender really.

Just ensure the new loan doesn’t overextend your cash flow.The best move depends on your long-term goals—cash flow vs. equity growth vs. diversification.

Then you owe hime another $40 to $100K depending on how you figure it out. 

Looks like anywhere from 6k to 10k depending .   

Whether the lender decides to do anything, and exactly what they decide to do depends on the lenders particular strategy, target ROI, risk tolerance, current interest rates, interest rate of subject mortgage loan, etc. 

This would depend on whether your property is overvalued by the tax assessor and in turn you are paying additional taxes on that additional valuation.

We are definitely dependent on that population and job growth to eventually gain some profit spread.

It really depends on what you are looking and I think your thought process is correct.