I used a property manager (before I was one) for (1) time & headache savings and (2) the value the property managers provide by economies of scale (marketing, discounts with vendors, etc.).

While may not have high amount minimums, they may have a minimum $ threshold for cc processing, Ours is $0.60, with a discounted plan that could be a few as 8 records.

Besides all the benefits of real estate, I like the control I have, and I like the discounts on the purchase price, I'm able to get. 

Especially if you can refi down the road into a lower rate.

It’s a very good buffet and it normally costs $13-$15, so it’s a small discount to get some good food, learn, and network.

Best bet is to try local and credit unions, possibly may have some programs for better rates.

and it doesn't work like that, especially with prices and interest rates high. 

diversification and cash flowSan Jose, CA has been very appreciation heavy... and i'm not opposed to keeping some property here, though the multi-family / commercial real estate has very low cap rates, and low growth from what i'm seeing.

I'm currently pre-approved but my lender gave me a "mid-level rate" which I believe isn't my actual rate since I haven't chosen a property but me not being as educated on the behalf and thinking it was my actual rate I decided to rate shop a bit.

Don't discount your property and don't make the newbie mistake of renting to friends and family.