I do not think the spirit of this thread right now justifies digging too far into causality of prepayment so let's just assume there are several influences which affect when prepayments happen and are likely to happen.  

My website provides a substantial explanation of how it works. 

At this point the purpose is largely for my own accountability and to show my wife there has been a substantial amount of research and thought committed to real estate investing. 

Hopefully others will chime in but I am doubtful that you could secure financing on your own without putting substantial skin in the game ($$$).Best of luck!

You stated that you think rents are $100 below market value, if that is per unit, you can substantially raise your cash flow.

Its gotten a lot harder to find good deals as the prices have risen substantially in all these areas.

Shoot I wouldn't even wholesale anything I couldn't get to within an hour (unless it was for a substantial profit).

I think very much influenced by demand and supply right now.

If your house is of this construction, there is no practical way to inject/blow insulation into the wall cavity and you are left with the choice of either gutting back to the studs on the inside or removing the exterior cladding and applying housewrap and rigid insulation on the outside.If you do go the interior route, be prepared to encounter hand-sawn timber with substantial variance in dimensions - meaning you will need to shim and plane, or strap, to create a plumb wall for hanging sheet rock {putting back lath-n-plaster would be cost prohibitive and, in our case (a rental), non-compliant with current fire code}.Old buildings can be rejuvenated and made much more efficient, just factor in an additional 10-15% in your reno budget to address any discoveries.

., and believe me, it adds substantial value to a project, and requires a great deal of knowledge, experience and time.