Having some issues with my current PM but it does not seem to be at this level so thinking its best to decline the Home365 one rate offer.

It doesn't exist yet. 15% down will most likely be at a high 8% rate and you may get an LTV reduction with it being a short term rental. 

I decided to focus on creating niched list that I knew would probably beat out the majority of the competition. 

Do they beat inflation?

:(I have been able to raise rents on a few properties to get everything covered, but a few of the houses would be at a price point that would be nearly impossible to rent out in our small town.

Of course, your opinion is just as valid as mine, and if it works for you, that's all well and good.True, you definitely do NOT want to give up a 3% loan....BUT there are numerous CREATIVE ways to build net worth FASTER than hold and reinvest cash flow.  

Show us/me the value you bring :) I hope you understand I am not beating you up.All the best 

If you do it this way, you will see your CoCROI numbers are with-in range and beating the market Good Luck Cedtech Group.

Although its not the same as starting a syndication it can be at a lot smaller scale which can be more forgiving for mistakes.

So all in I am at $240,300 , hard money I am factoring in as 15% rate and since I’m borrowing 840k for let’s say 6 months , I’m factoring in hard money costs at 63k for 6 months So now all in I’m at $303,300 ARV should be at least $1.3 million (conservatively) I would cash out refi with a dscr loan and get back 975k , I would pay the $840k I owe to the hard money lenders , leaving me with 135k , and I would pay myself back with that money , and since I would have $303,300 invested , I would pay back 135k to myself leaving me with $168k invested in the house with a equity position of $325k , the actual house number are such after the cash out refinance: This house has 2 units and 3 accessory units Mortgage : $7100Heloc payment : $1300Total = $8400Live in 1st floor Rental income 2nd floor : $30003rd floor: $1500Accessory unit 1 :1200Accessory unit 2 $1200Income : $6900 Net : negative $1200I also already have a house that’s breaking even , but I’m living in one unit and if I move out that house would become positive $1500 which I can put toward the payment of one of the other houses .