I’m also installing white tile backsplashes.

I cannot vacate my existing home.

I just refinanced my rentals at 3.99% on a 30yr Fixed with a 10yr I/O, so they do exist. 

We got a fresh loan paid off his existing mortgage it was all pretty standard.

When interviewing ask about their existing training programs.

I wanted to add a bathroom to each unit and update the kitchen and existing baths.

"Sub To" is when you take ownership of the property "subject to the existing loan".

Do you only build from existing floorplans, or can I provide my own set of plans?

Obviously there are more items to consider when refinancing like interest rate, term of the new loan, long term strategy of existing property and new property, cost of refinance, etc... but the above is how I would think about refinancing at a high level.

@Lindsay Op de Coul very, very difficult if no other 2-families exist on the block, but no extra regulations on the process like 2 to 3.