Feel free to jump in the community here and also take advantage of the treasure of knowledge here.

Only they will be able to tell you how they feel about that.  

Hi @Daniel Hyman,Thank you for the response, I read thru a lot of them, doesn't seem to exist anything that is hitting that sweet spot for the real estate investors with less than 10 properties, seemed Rental Property Manager might fit the bill but the reviews are not that good.

You learn about the MLS, different forms of financing, RE laws, RE lingo and lead finding tips.Sometimes you need to just sign up for the class and just make it work.At first I was also worried about feeling overwhelmed, don’t get me wrong it was a tough couple of weeks but the value it has added to my RE knowledge is priceless!

This explanation helps me feel a lot better about the 20% down payment since I won't have to pay PMI.

Goals -Refinance soon-  I planned on going 15yr with the lowest interest rates I can get with a credit rating about 740- Yes I feel more comfortable getting stuff paid off quickly rather then having lots of 30yr loans-Build 20% equity with improvements prior to refinance-No more PMI !

Feel free to ask around the forums for any questions. 

Please feel free to contact me here. 

As far as vacancies there is a 5 year contract with the existing tenant in place.

Joshua, please feel free to share your results with any of these banks.