If I understand what you're describing, it sounds like your lender is being particularly aggressive and probably does not want you to refinance out of his/her loan product, though that is your choice.

Being local I’m bias but I think you can find the perfect lender in texas.

That would work out perfectly with my schedule.

I do plan on getting a backup generator but there’s a one year backlog ughPlumber is pushing for me to switch to a new propane heater to heat both units.My concern is running out of propane and having the pipes freezing...Someone suggested to me that electric baseboard heaters are a good choice and cost effective.

Anyway, that's the basic choices you have when you are refinancing residential properties.  

Plenty of choice here, happy to chat as well.

If you’re selling a property and the buyer is financing, then you won’t have a choice and the bank will order it’s own appraisal.  

Still a great option, but if someone is low on cash to put the full 15% down, a 3.5% down FHA loan can still be a great choice to get started.

It's not perfect, but it gives me a general idea.

I have no Idea what I'm doing or how the F this will go, but I have no choice.