Achieve your short-term goals that will produce proceeds and resources that will, 2.

Or should I wait until that opportunity comes along and do the refi then instead of sitting on a pile of cash that isn't producing?

---social security # issues - may result in additional deposit above the standard in the amount of one month’s rent or more per property.

I always recommend starting out as a licensed assistant to a top producer, but I don't think that'll work for you since you already have another daytime job.One thing you'll hear about in this business is you get to control your time! 

Should I wait to insure and take these results back to the agents?

@Maggie Tasseron   I think that's my fear - it doesn't always result in a better job next time.  

Achieve your short-term goals that will produce proceeds and resources that will, 2.

Patience is key, but when opportunity meets a prepared mind, the results are phenomenal.

I got different results from different banks ... we own a rental property with just under 2 years rental history, and one bank wouldn't count that as income, while another told me they'd count the current rental market income even if it was a brand new purchase and hadn't even been rented yet.  

Such property is most frequently valued based upon the income it produces.