Or possibly using it to leverage into another mortgage.

I am interested in flips and rentals and possibly multi-family at this point.

Currently saving up money and thinking of going the live-in multi-unit route along with possibly some tax lein investing back in Indiana.  

this is a refinance the 5.25% was already done years agothe property is rented out right now so all costs are covered i just wanted to see if a lower rate was possible 

(Uhaul for $19.99 a day)Another option I would consider is selling it for $22-25k on craigslist (People can finance vehicles even if they're purchased off Craigslist, so it's a good possibility they can come up with that money) - and then turn around and buy a fuel efficient truck, such as the Toyota Tacoma (My favorite are the early 2000's which can be had for under 10k)Ignore the future family concern for now.

Is it possible to have your address listed as the owner and the property manager's address listed for the purpose of sending correspondence?

We always recommend to our landlords in Florida to do everything possible to settle outside of court because you never know what's going to happen when you get in front of a judge.

I'm trying to put down as little as possible.

We struggled with two sets of bad tenants for about four years and ultimately made as many mistakes as we could possibly get our hands on.

I would recommend going it alone, too if that is a possibility.