While some Non-QM lenders might allow pricing adjustments for repeat borrowers the MLO must still be paid in accordance with the LO Comp Rule and those pricing tweaks are often times applicable to agency clients as well. 

If you can find a bank that will allow you to buy three or four houses with that money, you'll produce decent cashflow immediately and have anywhere between $750,000 and $1.25 million assets under management.If I were in the driver's seat for this one, the only tweak I'd make on that plan would be to purchase the largest Whole Life Insurance policy I could afford.

When in doubt I go for the higher side of the range and if I don't get any bites within a few days (my market is pretty hot), I'll adjust down (tweak my heading/description/etc).

And I feel the ideal portfolio can benefit from the diversification of both.1) Directly owned properties are great because they give you maximum control and the ability to tweak them exactly how you want.

Keep tracking your rates and try tweaking your material until you find something that works better than your current content/material.

I'm constantly tweaking my numbers until I'm confident in their accuracy.

You can then tweak the data to match categories of people that may be motivated.

If I could tweak the way that I did things, I would get a higher paying job(I'm currently a FF), dig deep in to REI and purchase enough properties to live off of my monthly cash flow, then keep my w-2 job for 1 - 2 years while I actively acquire Real Estate as well as build my business as a Real Estate Agent.  

However, higher rates can be tweaked and this creates opportunities for creative financing strategies.

With some key tweaks to the renovation, this sold quickly.