Why are mortgages with lender paid mortgage insurance disqualified for harp refi ? Is there anyway around that?
If you are paying mortgage insurance on your current loan, you will need to contact your mortgage company that your loan is currently through to obtain a harp loan. If you are not upside down on your mortgage, you may want to simply refinace your home to lower your rate.

Refinancing primary residence and 2 rental homes
I would contact a local lender (broker) and run your senerio by them. Based on the information you provided above it seems that most of your income is from rental property. You mentioned that you pay taxes on the income; however, you never mentioned how much of your income you write off.When you contact...