Thanks Elizabeth for your post to Bigger Pockets. 

It isn't easy, but you'll learn a lot about underwriting from the process and know the ins and outs of the entire model, which makes using it, troubleshooting it, and adding to it much easier.

@Josh Otero some ideas:1) Key ALL the locks on each SFR to one key, including garage.- We used to buy locks at Home Depot and just swap handsets, but now use a locksmith for same cost.2) Get rid of handset locks (use passage knobs) and only use deadbolts.- Two locks on a door really don't provide any additional security.- Cheaper as only have to rekey/replace deadbolts.- Tenants can't lock keys in their home.3) Our locksmith created a Master Key system with 10 key option.- One master key opens every door- We go 3 levels under our master, so we can submaster 2-4 unit houses and apartment buildings- Don't need a costly and difficult to secure & track keybox.

@Makani Donaldson as a PMC, can tell you that trying to go around a PMC and "Cut out the middle man" to get to the owner will just make your name mud in your area.Who's going to trust you?

@Diana Mulvihill listen to your gut just work on your pricing strategy and do your best to maximize revenue.

Homes Are OverpricedHousing could be overvalued by anywhere from 10% to 35% based on how investors are actingThe stock market is pricing portfolios of American homes at a hefty discount to what houses are changing hands for in the open market.

I just think I have it better than most because there is no need for separate utility meters in my county because it is rare for anyone to use an ac or heater here lol all the city requires is a wall furnace. 

Talk to your banker about your plan.

Being healthy is also important to us, so the more organic stuff we can get the better too.

You would borrow against the equity at 7% or more, then use the money to pay off a credit card?