And what should I do if I get less than the balance again?

This is a fine balance and if set to low you might start getting complaints.  

It all has to be carefully balanced and not to get greedy, fairness is first. 

My furthermore questions are: Looking for a technique to avoid disrupting my current mortgage if title/deed name change is required to engage lender and that lender calls to accelrate mortgage, and i need to pay-off remaining balance in 1-month.?   

One of the factors would be your mortgage balance and rate.

They may give you the balance up front for your particular case but this is not how HMLs would normally work.

Thanks for the reminder to be vigilant and to keep a balanced focus on occupancy/bookings as well as risk (trust no one).

Depending upon your occupancy type for the property and what the ARV vs the remaining balance on the note are, you may not have to come out of pocket with too much money, if any, on the refinance. 

I need to find the balance my family is comfortable with.Now, long story short I started thinking about hard money lenders.  

I could go on but as bad as it may sound you have to eliminate as much of the human interaction as possible (there's an obvious balancing act there) because humans cost so much money.