Looking back it was an exciting time in my life: I was high on the coolaid and felt like I had discovered a whole new world outside the W2 universe.

I have noticed a lot of institutional shops and real estate private equity firms will factor in SOFR rates into their analysis.

Got into REI almost by accident and did what you said - shopped for the best terms to make each property perform the best.I did at one point try to consolidate, but any institution I found that didn’t sell mortgages had the worst terms: higher rates and typically ARMs, which I’m grateful for not taking because my rates would be crushing me now.I’ll look into other versions of some of the things you mention like cross colatteral and construction loan but not sure how that would work considering I don’t actually have any construction needs. 

When I called to switch utilities to my name I discovered that apparently the duplex shares a water and sewer meter with a neighbor.

You will discover more viable opportunities by being a good listener within earshot of the legal,professionals who encounter these issues rather than a guy who wants to get something. 

Finally, even though Indianapolis University is small, it's always good to have a great institution nearby.

@Jill DavisTypically banks (depository institutions) are most competitive with jumbo since these programs are typically portfolio products.

As I have begun to push back more, I have discovered just how many professionals take short cuts, over sell and under deliver and/or convey inaccurate information. 

Hi Jerell, I started my real estate career as a rental investor, but I discovered I hated being a landlord and how much time it ended up costing me.

If the City discovers the illegal dwellings they will most definitely Red-Flag them.