If you're not working with a local agent to help you screen tenants...I would say the best way to get as many eyes on the property is create marketing material - add to local FB groups and host 2 consecutive open house weekends showing a model unit and amenities.If you're close to any University Campuses - I would also suggest to partner with the university for housing opportunities for upperclass students.Good luck with filling those up!

Subdividing seems like the best route because you open up the potential buyer pool if you ever need to offload the properties or even a few of them.   

People laughed at you if you mentioned creative financing during the run up, but now, we are seeing more master lease and seller carry backs.We've been using community banks, stabilizing then refinancing to agency.

As I've learned through my own journey, every time you touch those contacts, you can be asked for a referral.But hold up!

Would refinancing now to simply gain a point (if that) on my current rate affect my ability to carry out one of these other strategies in the next year?

Anyway, I value everyone's time, and just in case you see my name pop up in a forum thread, you will have some context. 

Haven't seen your posts for a while.I grew up in a mixed-use property where my dad had his store, and there's a small apartment behind the 2 stores, an 8 room apartment upstairs, plus 4 garages.

They will pick up interest income.Sometimes, intrafamily loans do not need interest payments.

When you refinance you can simply use a DSCR loan for example to close in an LLC.

The ADU trick popped up in my latest conversation with the brilliant @Bruce Woodruff.