Can refi an existing mortgage to a shorter term "Mini Mortgage."

With a $100K, 33% down, mortgage instead of a $180K mortgage, 20% down, I manage to snag a property where the rent of 2 units covered the mortgage and taxes, and I house hacked for free.

You need someone that clicks with you personally before engaging in a mentor/mentee relationship with the dedication and stress that may be involved.Where to find a mentorStart by looking within your existing network.

For actionable advice having been a vendor at guru events ( lender in the back of the room helping students buy rentals)  I think to get the most out of these events one should do some training before you even go. first thing take a pre license course in the state you live in..

But selling this will really give me the cash that I need for the new property, and potentially reinvest in another, or even settle an existing one - great equity in this property.

You only need 5% down which covers 2-4 Unit multifamily properties.

The premium for a LL policy is typically lower since it doesn't cover personal property.Always require tenants to show proof of renters insurance, this protects you as well.

Now they said ok to drop 25k and we cover for everything including the hazardous flags.

Is calling the existing tenant and verying would be a good approach?  

@Nicholas TotiYes, DSCR loans for smaller amounts exist with LTVs around 70-80% but it is not typical for most lenders.