So if your DTI is an issue in getting additional loans, you can "beat the system" by putting your mortgage on a HELOC and reducing you reporting monthly obligations.

As a lender (aka “Maker”) to Norada, you are a valued member of the Norada family.The purpose of this correspondence is to provide you with an update on the repayment under the terms of the promissory note (“Note”) as an obligation of Norada Capital Management, LLC (“Norada”).As with all businesses, Norada is subject to market factors that could impact its ability to make payments.

Guess what your insurance company will say?

My wife and I own a couple duplexes in Florida, however with insurance costs on the rise, we're looking at Wisconsin, which is where my wife is from originally, and we're looking at small multifamily in Sheyboygan. 

Yeah Im already on it and also added insurance trough Cleveland water for like $10 a month per property. 

If this is not available then we have done demo and just removed the structure.Sidenote for people who see the title: Do not burn down a house on purpose for insurance reasons.....That is called fraud and is criminal :) 

Talk to your insurance agent and be sure you're covered.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Insurance.

I know taxes and insurance have gone up a lot in that time so I understand that problem but the solid rent increases in that time have been able to cover most of that (at least for me it has worked out).