"Over the last four tightening cycles, the time between the first hike and first cut averaged 2.2 years, and never exceeded 3.2 years" - credits for www.pensford.com 

With the recent rate cut by the Fed, most banks are not offering this rate.

I found someone local who is willing to handle property management (for 20%), but it feels like a waste if I'm already handling the listings and automation and integrations to run the business.

That will give you a clear cut view. 

NEW TENANT GIFTSHere's what we give new tenants.....Cleaning Bucket with Cleaning Supplies:white vinegar, baking soda, awesome degreaser, disinfectant wipes, carpet spot cleaner, magic eraser, all purpose cleaner, scrub sponge.Tote Bag with Useful Items and Tools:hand soap, paper towels, plastic garbage bags, toilet paper, toilet plunger, Zip-It (strip for clearing hair clogs from drains), plastic clothes hangers (6), shower curtain liner (good quality cloth one), laundry detergent, dish soap/dish detergent, cutting board, "Freeze the Grease, Save the Drain" kit, “Recycle” bag for collecting materials for recyling, magnet with our name and contact information, picture hangers.Refreshments In the Fridge (for move-in day): several bottles of water, healthy snacks, bottle of sparking cider with a welcome note attached.Larger items: Welcome mat, shoe tray.

It was worth every penny because now I’m properly organized and it significantly cut down the amount of time it took my accountant to prepare my taxes.

No system is perfect, so don't waste your time chasing after the next shiny object.

But I would recommend cutting out the middle men.

Furthermore, with the expiration of increased estate tax exclusions contained in the Tax Cuts and Jobs Act, in 2026 we could see a dramatic reduction of the federal estate tax exclusion by more than fifty percent.

@Daniel Sabatoif you just have 'home equity' and no cash... i think that won't cut it.how many SFHs did you acquire?