I've always been told to avoid variable rates but if it's essentially a fixed rate for the first 10 years, is it a bad idea to go ahead and refinance with them and just expect to refinance again before the 10 years are up?

There is no promise rates will fall at any time ahead, that's a gamble and the three points then wasted money.

It just requires a bit of planning ahead to make sure that this occurs.

This way, you can ensure that you will have a solid financial future ahead of you. 

@Brandon Rush Thank you for your insight and your experience as an agent! 

@Dominick JohnsonDo you think that is solid to say if the long-term goal is to keep all properties, that go ahead and transfer your SFH properties to your LLC, once you gather a few then go for portfolio lending / refinance to liquify your equity?

Having $20k saved up while in college already puts you so far ahead of the curve it's not even fair for the rest of the people in your age group.

I will have my CPA do the taxes either way just want to know ahead of time which way is most appropriate.

The other mistake people make is rushing to buy (lack of patience) and falling in love with a bad property. 

So there is no rush.