Dear Krzysztof Duf and MikeHO,I thought I would just ignore your comments because of your mentality that you can't hide.

I do have mental struggle with the literal accuracy of that since all props are held in an LLC and the whole point of an LLC is to separate business risk from ones personal assets.

Call around, describe your situation, don't use the term "rate and term refinance", and hire the first loan officer with the mental bandwidth to offer the above solution.

What if two years from now they go up to the attic and notice an exhaust fan that terminated in the attic and not vented outside, or they wanted to add a receptacle somewhere and hired an electrician, and the electrician told them they can't and because the junction box has too many conductors in it and it exceeds the box fill capacity, so they have to pay to open the wall for a bigger, deeper box or piggy back another box...do they send you the bill too?

They have more of a middle-class mentality.  

No.If he doesn't do good contracting work and you decide not to pay him, he could turn around and use that for mental justification for not paying you rent. 

The seller is excited that they have a pending sale and are mentally moving forward.

If your grandmother, either physically or mentally, is unable to sign a legal document then her legal guardian should see an attorney.

Currently, I have the "I'ma" mentality (Jake & Gino show 182).  

Again, this list is not exhaustive and by no means do these things mean you should not buy an investment.