If the cash don't flow, it's a no go.Overall, sounds like you're making this way harder than it needs to be.

Plus, the tax benefits associated with a personal residence and the limited equity requirements seem to make NY a no brainer for you. 

This is a no-brainer!

David Greene- “If it don’t cash flow, it’s a no go” Me, right nowBuying properties that don’t cash flow is an easy way to lose money in real estate.

If you’re going for cashflow, that’s pretty tough to beat but if you’re trying to buy a house a year for 15 years and put them on a 15-year fixed am schedule and have a paid off house every year after 15 for retirement purposes, then it would be a no-go (for example).Also, depends on the work you want to do.  

I'd argue it's always worth locking in a lower rate. 3.7% of the total ReFi amount sounds like a no-brainer if you ask me.

In my previous life as a B2B sales rep and currently in real estate syndication I track every person and conversation even if they're a no.

Homestead properties in a LLC is a no-no.

I haven't found anything close with these type of 50-60% type returns.And yes, the renter quality is soooo much better, it's a no brainer to us.

. ;)Mostly the small MF's are a no man's land in my view - picked over by anyone who has transitioned from small landlord to larger player.