High credit means this is someone who pays their debts. 

I have lots of questions: Do I save %20 of the rental income for tax purposes?

If the in-place rents generate don't generate enough cashflow to cover your debt service, you'll want to plan to bring additional equity to the deal to cover the shortfalls.

I won’t be looking to re fi those anytime soon because my interest rates are so low with them but when I do my current lender has said they will be limiting how much they will lend based on the properties tax returns. 

They construct and sell houses in Florida using some kind of green technology which allows a tax rebate in addition to an 18-22% APR. 

To figure this out, we need to know the following:- How much debt, if any, do you currently have on the property?

REI areas of interest (what I like learning about and may take action on):Small Multi-Family AND converting SFH to multi-familyFix and FlipBuy and Hold long term or mid-term rentalsBRRRLand Flipping and Land EntitlementsModular/Mobile/Tiny homesForeclosures and Tax LiensAbout Me: 40 yrs old, married, working mother of 2.

You may find that lenders expect to see the rents on your tax returns for 2 years in order to count the rents.You may have to talk with the commercial side versus the residential side.

Look at every method you can for reducing taxes, income and property taxes.

Check with your county tax assessor.