Stressing out here...

You will want to decide what is most important: lower fees, quick processing time, proximity to you.

My financial situation is alright I don’t have a tone of money laying around but I’m not stressing over bills.

I believe it takes 5 business days, or you can pay a $2.99 fee to lower it to 3 business days. 

Since I prefer A to B-/C+ class neighborhoods and properties, I am willing to accept a lower return up front if I think there's room for rent growth in the future. 

Make a little now with a "line of credit" for next one at lower than bank rate.

Put long term renters in them and stop dealing with the stress of reviews :)

I’ve been buying properties in OH at a lower price point cash.

The loan servicers we work with all allow for "recasting," which means you can have your payment lowered without needing to refinance if you pay down the balance significantly... see if your personal home's loan servicer offers that, if needed.

Wait until the renter is late before you start stressing out.