About three months ago I found a tenant and they signed a lease.

Very likely, what it really needed was just a new 2 dollar wax ring.  

We "use" Asana for some things, but that's also part of my role is to figure out how we can implement it better (there are three of us).

Three years in you have a rent to purchase ratio of .76%.  

I just completed refinance deals on three 6 families.

The three components to getting over this, in my opinion, are: mindset, education, and daily action.Mindset: Instead of asking yourself 'what if it goes wrong' ask yourself 'what if it goes right?'

Do you need the cash flow or can you rely on the other three wealth generators [ debt pay down, appreciation, and tax savings] to generate your return? 

I think we have about 15 applications and only three have been paid so far.

Im from NY as well and invest in three different states.

I've had it go both ways with different banks, but I usually don't like illegal units so it's not something I've encountered often.The value for refinance purposes will be determined by an appraisal, which will use three methods - the sales comparison method, the income method, and the replacement value method.