Was this poor judgement on my part?

Originally I put about 40K in to the property for HVAC and a complete remodel as it was in poor condition.  

@Christy Philippoff Ask your property manager, I will bet she means she has a lawyer that evicts people and if so it might be a good idea to use her lawyer. 

@Eric SalgadoYou bet!

It's essentially like a credit card sign-up bonus, they're betting you won't pay off that balance quickly. 

I bet if yiu do a postmodern on this deal you'd be better off putting your cash into the stock market Etf Spy.

If bet it's a lot more than you think.

And even that's a very poor kind of sense. 

Figuring out if it saves you money to refi is really just seeing how long will it take you to recoup the costs of getting a new loan with the savings in your interest rate.But, if you are on year 25 of 30, for example, I'd say your best bet is to just finish off the mortgage since its all principal paymenty anyway.Also, as how to move forward, thats up to your financial goals. 

@Kwame Knights best bet is to look into those counties and what their rules are for Airbnb.