You also have four individuals which increases the number of cars on the property, more visitors, higher likelihood of partying, more inter-personal relationship problems, more wear-and-tear, etc. 

We refinanced our house several years ago to decrease the length of our loan to 15 years which increased our monthly payment a little but has allowed us to make faster gains toward the pay off. 

@James Caruso Western Suffolk seems attractive for a pure investment property.

However, I'm finding it difficult to increase my calls and consistently make 2-3 hours of calls a day while keeping my day job, and I need to be making more calls to get more deals as I find myself spending most of my time with follow up calls. 

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I agree with this, but I do think you are better off getting them out as inherited tenants increase risk.

Any main industries providing consistent employment for tenants and attracting folks off the west coast? 

Do I concentrate on paying it down and increasing my credit score?

My lender says it makes sense to at least refinance even if I wasn’t cashing out to get rid of PMI and have increased tax benefits from the increased interest rate.

But being that it's increased so much it's got us thinking...