Ask to speak with some of their current owners and current/former tenants.

I started investing a little over a year ago and have earned almost $160k gross so far with 3 Padsplits.Next year if I do nothing, the 3 current properties should earn about $200k gross. 

I currently own 3 homes and used my heloc to front the down payments.

Switch Lenders: I’m currently working on refinancing (six other properties), so I’m thinking maybe I should take everything to another lender who might be a better fit.  

Most current foreclosure starts today, do not end up going to saleWhile not an exact correlation, housing foreclosures vs foreclosures starts, the few foreclosures that complete under the present circumstances, makes it very slim pickings in the foreclosure space. 

I will give you my numbers since we are 3 years into Velocity Banking.Home was purchased at $410k.Interest rate: 3.125%30 year termMortgage payment is around $1950 (includes insurance and property tax)HELOC: 8.25% Variable rate - current rateCredit Limit: $97kLet's say I made $10k a month and our expenses were $6k each month including the mortgage.

It requires a solid FICO, that you get pre-approved with all current financials held in file beforehand, with the complete contract package submitted upon execution which starts the clock; insurance must be arranged within three days for lender underwriting. 

They found that targeting traveling nurses and medical residents provided reliable income, especially with amenities like a washer/dryer and blackout curtains.. details that are often overlooked but highly valued.For STR potential, I’d suggest researching local tourism data.

What I am trying to better understand is at what pointy that restaurant owner able to either delegate or reposition so he / she doesn’t have to the restaurant every day. do they need to obtain more restaurants or keep offering more to their current customers?

While returns could improve over time, this is the current market reality.