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.

@Kevin Turano@Bill Exeter gave you an excellent technical review, and he is one of the best providers of 1031 services.

BP is an excellent option to hear others experiences and to glean information from others.

So, for example its been for a while that deposit banks really only care about doing "easy" loans so their good rates are only available to customers with very good to excellent credit and have solid w2 jobs. 

If you have excellent tenants, you can probably do some basic cosmetic work with their approval and cooperation.

I still think it is a great rental market and am focusing on areas with great parks nearby, amenities, and homes with excellent floor plans. 

You will also need a QI @Dave Foster is excellent...before closing.

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.