Only standard closing costs (appraisal, title,
credit report, state taxes, lender fees, etc) may be included in the refinanced amount.
You are legally free to check tenant
credit reports and use the information when selecting tenants, as long as you don't illegally discriminate in doing so — for example, by
only requesting
credit reports from certain tenants or by arbitrarily setting tougher
standards (such as a stellar
credit record) for renting to a tenant who is a member of a racial or ethnic minority or other protected class.