At 6.41% your refinance is not really gonna help you and I would only refinance if you are in it for the long haul due to the costs of refinancing. 

If they end up being longer term tenants I will ask them to do it at certain times.

Why do you think purchase contracts are so long and have such small print?

Two months is too long to find a tenant (normally). 

Hey @Paul Brady - the reason most of those are not well designed is because in most cases (at least in NYC & Long Island where I'm active) - the signs are illegal. 

Purchase price: $390,000 Cash invested: $150,000 Rezoned to allow for ADU and am currently finalizing plans to add a second story and redevelop the 3-car detached garage into an medium term rental with an ADU above the garage.

I have a friend in that business who would be using his own money and charging at his cost.Yes, my goal is to put $835K as my long term down payment and finance the rest so about $630K loan amount.

As someone else had mentioned, as long as you do not have a lease signed with them, you are good to be unapproved as there is nothing legally binding. 

You can advertise it yourself and see if youre able to get any potential tenants and once you do I'd advise for you to hire an attorney to draw up a lease agreement including your NNN terms. 

Just as long as the owner is someone who will actually take care of them.