My opinion, a rate a buy down isn't usually worth the trade offs vs keeping the cash in hand.

Total rent between the three is $3200/month.I have an adjustable 20 year mortgage with a balance of $100,000~ at 4.95% that is set to adjust in 2026.I also have a HELOC on that property at $180K~ with a 9.75% rate. 

Ks Yoak picked 2 terrible tenants on one of my properties that ended up costing me over 15k in repairs over the past 2 years: they didn’t care: they said they would help me with the repairs, but they won’t send you a break down of the repairs: they send you a paragraph with a total cost for repairs at the bottom.

After driving them we were down to a handful.  

I totally get wanting local insights in the Sacramento area; it can really help.With your hands-on experience in flips and rentals, you’re already ahead.

I totally understand you are hesitant to touch the 3.4%, but keep in mind you can always cash-out now, expand your portfolio, and refi down later.

Quote from @Russ Desatoff: Hello, I have my first deal done and it's was handed over to the property management team a few weeks ago.

There are a few highly rated HipCamp hosts in our area that have 'U-Pick' farms of produce and/or petting zoo type animals, and they've added a handful of RV sites to go along with it.  

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

Total Investment $33,435.