Debt Consolidation: If a business has multiple loans with varying terms and rates, consolidating them into a single loan with a better DSCR can simplify repayments and potentially lower overall interest costs.5.

I would recommend DSCR for you, or to continue contacting some other banks.

Quote from @Madhuri Gupta: this company: Flipsystem run my Antonie Martel seems to still continue to recommend this team to its subscribers.

A 3' wide continual walking space perhaps? 

However, she claims she can’t afford the electric bill and refuses to keep the heater on continuously.

The tangible/measurable benefits do seem to pan out over the life of the system especially if energy prices continue to rise.

Do we want every phone call going to a designated person and they can contact our handyman etc - OR - do we want to continue taking these calls?

Their promise to package your properties into a commercial loan after reaching 5 properties could free up your DTI and provide a line of credit for scaling.Consider delaying aggressive HELOC repayment to preserve cash for new purchases, and explore portfolio loans or DSCR loans as alternatives.

I actually hired this tax company in the Fall of 2021 to do my 2021 return and continued using him for this year (2022 return).

. :)  So with what you have raised and if you want to continue raising money you could follow the same path I did..