If I apply and SBA does an inquiry against my credit, won't that raise red flags with my refi bank and potentially cause issues?  

More vacancies forced on by raising rents 30% may not be the most financially savvy solution.

If so, you need to raise that shortfall too.

Your 10k rehab won’t raise the value Like you think it will.

When owners / buyers underwrite deals from here out you need to include epidemic / pandemic as part of your underwriting so that you increase the "what if fund" which would typically be through raising the vacancy some percentage points for the city, and asset class you're looking at.

We also raised our security deposit insurance coverage.

However, it allowed me to discover the shady agent I was working with and how I was going to buy problems I didn’t want to pay for.My full time job rescinded my promotion and pay raise. 

Some of them even mentioned that they might even raise rates to as high as 14% (before, most of them did the standard 12%) in these troubled times which to me doesn't make sense at all.

Is there upside to grow rents through unit renovations or simply non-aggressive seller that never raised rents to market?

I currently have lender provided mortgage insurance LPMI, which simply raise my interest rate slightly and it can’t go away for the life of the loan unless I refinance.