Would i simply ask the mortgage place if Refinance?   

I would simply consult with a professional wherever my properties are.

The high cost and lack of multis in my region forces me into other areas.

@Breynan Hammons I was simply stating the values have risen a lot since the bottom but we are still not at the prices of 2008 and that the market has many differences now vs then.

It is simply another term for bank owned property that was already foreclosed on.One is not better than the other.

Missing shingles and roofing leaks seems to be a common problem, which is easy to spot simply driving through these neighborhoods.

I simply rounded up to the nearest 1000.so if the payment was 1200, I paid 2k  if it was 1800 I paid 2k... set it up on auto pay and forget it.when the crash happened ..

Not saying they are intentionally rude or ignorant it is simply that facts and opinions trump feelings.

The town was built in the early 1900's and was a boom town through the 1990's.It is not that the town is lacking small businesses that want or able to lease these spaces, it is that it is a small town, and the businesses cannot spend thousands of dollars on rent, or renovations. 

I'll possibly be buying a new personal residence in the next year and look to rent out my current home and I do expect the lack of rental history on this property (despite having my other rentals) to negatively impact what a bank will approve me for, fortunately I'm not trying buy a million dollar house so I expect I'll still be okay.