But of course, to play both sides...in reality if I do refinance, I would actually get worse interest rates from the bank since it's currently under a 4.25% rate that was originally designed for conventional primary residence home loan, no? 

It's like going to the casino and either betting black or red on roulette. 

You may be able to borrow from it but I doubt I would.I don't play a lot with fico maximizing, but a store credit card wouldn't be my go to. 

If you try to play games with the SBA, well, that would be very foolish.

I wasn’t able to get it to play...

All the "boots-on-ground" agents I have talked to encouraged me to go for it as that it very rare to find 1% rules properties in Austin MSA and this will be appreciation play. is this true?

There are all kinds of ways to play the real estate game. 

I will update everyone as it plays out. 

When I dive into a deal other areas of the company...my private fundraising slow down considerably, then I'm playing catch up!

Plus, even though Atlanta is hot and the market is competitive, it's still a fantastic market to be in, especially if you are playing the long game.The best way to search for property depends on your strategy and stage of investing.