My question is, should I expect additional hoops to jump through when refinancing the first rental, even though we'll own it free and clear?

@Tyler HuntingtonI will assume your pro-forma on the expenses is accurate, and there are no common areas where you might need to pay for electric to a light or two; tenants pay for water, sewer, trash, etc.My suggestion is to look hard at your acquisition costs.  

Or is there a deeper mindset that has no desire for the additional "baggage" of owning a home? 

...for a $45 additional fee no doubt :)

Thanks for your help, happy to answer any additional questions.

Or can additional names be included on the deed (joint tenancy) without negatively affecting the banks loan decision?

It's common for the sink plunger and trap to pick up hair, soap, and turn it into things that nightmares are made of.

All additions are still in "roughed in" state, i.e studs, electrical runs, and plumbing runs, but no outlets or valves.  

I noticed several additional people beside herself, 2 kids, mother and sister have moved in.

@Sal Mazzone  get the loan as Tenants in Common then flip it over to your LLC.