Will taking out more credit cards and paying them all on time help? 

. $205k building, and with a 3.5% fha loan, owner occupied, and in a low to moderate income area, with lender credits, I only put down $4,500 with less than $1,800 in upfront costs, inspection, appraisal.

- damages - to roof from Antenna, Ruined lawn by pet urine and bug patched walls that need to be repainted.2 questions - did anyone had experience of small claims court in Washington, by law do I need to refund everything if I am late beyond 21 days. ( everything was deducted from receipts)Does the judgment against me go on Credit history?

Plus you can get an unsecured line of credit or a credit card with a cash advance or even a secured line of credit on your existing rental property. 

Whoever pull your credit ask them what you can do to get higher credit score.

Not a developer, but I think typically builders don’t want to have more than 25% of the finished product into the lot costs.....seems like your purchase price is too close to the individual lot values, after subdivision.

If you need a recommendation for a local bank on the refi --- I'd suggest Credit Union of New Jersey. 

I would recommend refinancing the first 4 with a portfolio loan to get it off your credit report and then you wouldn't have that issue anymore. 

Suppose the worst case scenario transpires, can you borrow from a 401k or credit card at a reasonable interest rate, sell some stock, etc.?

Setra Systems is one company that makes these products.