My problem with my current is while they are local they are a blast out of time in regards to technology and getting things done seamlessly on TOP of the low interest rate.Thanks for the response

When banks check your refi eligibility, they eyeball your credit score, income, and the property's value.

Then I'll pick a location with favorable stats; population growth, low unemployment, etc. 

Primary - 4bed/2bath, 2200SF, 3car attached, 1/2acre lotMortgage = $330k, Payment = $2100 PITI, Value = $450-475kRental - 4bed/2bath, 1600SF, 2car detached, 1/2acre lotMortgage = $190k, Payment = $1600 PITI, Rent = $2100/mo, Value = $330-350k-Market rent is closer to $2500, but we kept the rent low to help the family that lives there.

During COVID of course the city wouldn’t allow me to shut off the water so I did have one low life rack up $600 and then left the property. 

I am hesitant in doing so due to my low interest rate.  

Credit is 800+.I have ~$120k in an inherited IRA that I could liquidate as well, but would prefer not to if at all possible.House #3 is least priority and could be used to offset the cost of the buyout on #1, but it cashflows so if I can keep it that would be great.I know it's a tough rate climate, but I'm looking for any creative options, and lenders who operate in all three markets that could help streamline the process. 

On the other side, economics have proven that rents go up significantly and vacancies are extremely low due to rent control.

Get a first position line of credit larger than what you plan on using (Ridge Lending has the All in One that would be perfect for this strategy).

Grab value while they are low and sell in a few years.