WF and Chase are usually not the lenders they are usually just the servicers who are managing the collection of the payments.
A Refi might end their servicing agreement with the actual owner of the loan and affect their income.
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You owning both units should be a positive to the lenders not a negative assuming that the properties are in good condition, get a good rent, and that you have the financial capabilities to handle the loans you are looking for.
You do not have to pay a condo fee to an association unless both parties (you) can't agree on the operating and expenses of running the association ie: common insurance, maintanance, repairs etc.
What communty is the property in?