I've guided several investors through similar projects, and sometimes sharing stories over a cup of coffeeor virtual  - can spark ideas you hadn't considered.If you're up for it, this could really be one BIG idea that makes everything come true for you.

It’s a tried-and-true way to build long-term wealth, with tax benefits like depreciation and the ability to leverage financing.

Bank Loan: It’s true that banks typically look for steady income, but a large down payment (20-30%) and good credit could help strengthen your application.

However, these are advanced techniques that are rarely as easy as they sound, and they all come with additional risks.

Terrible communication.It’s true.

Right now, I don't see that many true opportunities in the market. 

Goes with the job, I live and work in the territory I work in.The following things I believe to be true: you could definitely do this; you will definitely take on more risk.Food for thought: building a strong network of folks you trust would be a must.

There is no true "science" to it and it is a bit of an art, but to answer your question, you are doing all the right things, and I would not let 2 rentals that have been on for a long time stop you. 

This is especially true when only putting down 5%What is unfortunate with the 5% conventional program is that you get hit from 2 sides:1.

Because it can really make or break a deal, especially if you are not aware of the true cost.Good luck, and feel free to contact me if you have any further questions