The first step to building your REI empire.

You hardly build any equity in your first year, it makes sense to refi only if the rate is substantially lower or if you can get rid of mortgage insurance.

I wouldn't rely on information here as we haven't seen your building nor understand your bigger goals but this is not something I ever recommend my clients to do....even if they have a few deals under their belt.

By putting 10% down I probably will be less than breaking even every month ((like an extra $800-900 per month at very low/conservative rent prices)  with the building fully tenanted (as is condition not counting value add with renovations). 

If anyone has any recommendations on contractors and handymen in the area too I would love to get some more references.

You really want a rookie putting a waterproof seal on the top of a building?

Building dept. for Unincorporated Arapahoe County is apparently overwhelmed and understaffed.

Pull a building permit.

Personally, even with interest rate uncertainty and election year hysteria, I am building a stronger and stronger conviction around the fact that I need to get a little more aggressive in acquiring more income properties.   

I would get 3 quotes from contractors with good review from google and go from there