I think my lender's logic is that he can drop the rate when he has access to more options other than limited in-house products. 

It might be different in Bumbletucky. 2) Let's follow the logic to its end point...there's a market crash or correction in the banking or real estate markets, universally, nationwide.

I know a lot about "your market" because I have relatives there and it defies all logic.

I understand now how my logic is flawed.

My logic is telling me that either I call brokers and property managers, or I determine what cap rate I am comfortable purchasing at and find properties that fit those parameters.Thank you for your time and look forward to the advice, Sheldon

In my opinion, the logical stepping stone from single family rentals is to move to a small multi family property (2-4 units).

I can definitely see where down the road, once I've fully transitioned to residential real estate and have again filled my schedule, looking to commercial real estate brokerage as the next logical transition would be favorable. 

I know that's is simplified but its logical..

In most cases, if not all cases, people who own a personal residence who then rent it out do it usually out of convenience instead of logic.  

This would seem a logical extension of that to educate and counsel sellers who are vulnerable to being taken advantage of.