In both scenarios, I will use the equity in my first rental via HELOC to either cover the conventional loan's down payment and fund the rehab or to fund the hard money down payment and meet the reserve capital requirements.

Should i refi my units which will kill my current cashflow and impact my reserves?

And then there are others that are just pump and dump due diligence schemes.. now when i googled this company their web page came up .. but there is also complaints and a rip off report link.. so i would read all that stuff first.. take it with a grain of salt.then look deep within and ask yourself if with your business acumen and 2 to 3 years of tax returns.. and your fico and your cash reserves can you do a 1 plus deal.

If you had the capital for the down payments, reserves, closing costs, etc., would you advise buying 4 SFHs or 2 duplexes.

Commercial requires the property to be livable (not subject to), usually a 95% to 100% occupancy ratio, DSCR (rents) at 1.25% or higher, PFS, Strong assets, 12-18 months reserves, Fico above 700, I have seen lower but rate will be higher and in most cases cause the DSCR ratio to be under 1.25%.If you own a primary you might be able to use an SBA type program but those are not great.

Make sure you read the bylaws and understand the current reserves and upcoming large expenses.Good luck

Subject to the requirements of the Bankruptcy Code, in the event the Tenant is adjudicated as bankrupt, (or makes an assignment for the benefit of creditors), this Lease, at the option of the Landlord, shall terminate upon 30 days written notice and the Dwelling Unit shall be surrendered to the Landlord, who reserves the right to repossess the Dwelling Unit subject to the applicable provisions of law.Should I follow the steps on the contract?

If mixed in with your deposits and reserve funds, you may accidentally spend money you shouldn't have.

That crosses geographic boundary lines so it's not reserved for out of the US.

I keep plenty of extra cash reserves to pay for repairs and maintenance.