@Maugno Mora have you thought about doing a Home Equity Line of Credit instead of selling or refinancing?  

If you are tight on cash flow, it is recommended not using reserve, but these days we have credit card that can cover the unexpected repairs, so not using your reserve for other deals might be bad financial decisions. 

I assume you would also recommend meeting with local banks and credit unions?

I remember a BP Podcast where the guest was speaking about a single commercial loan that wrapped a few properties and also had an equity line of credit attached that he could draw from.

If they are former tenants, then I want their credit scores and proof of previous payment or they are going to be leaving.

I found someone who just graduated from college and said that she doesn't have the best credit because of some credit card mistakes she made in college.

I'm trying to determine what a bank or credit union will give me.

Credit score is in the low 700sI'm looking for a new primary and would like to use this as a rental. 

Assuming you have good income/debt and good credit, you should be able to get another mortgage.

I currently bank with a credit union, is that a good option to apply for a mortgage loan or should I branch out?