.- get into real estate with a lower rate and lesser percentage down payment.

I had large payments on my personal loans due and extra money going out to finish the project, not ideal.

I've done deals like this where I've had the seller hold a small second, subordinated to the banks 1st position mortgage, with payments to the seller deferred until balloon payment which I make coterminous with the bank's mortgage.4.) 

@Chris Kay it's VERY difficult to cashflow with 0% down purchases.We do 0-10% down Land Contracts and know going in we may actually have negative cashflow - which is acceptable given the low down payment and avoiding mortgage costs.

We just went through a rent increase on one of mine and I'm moving it over to a property manager and getting payments changed over has been a process.

Remember, buying a property is a financial decision that should align with your long-term goals and comfort.If the new lender offers a better rate and lower monthly payment, it’s reasonable to consider that option.

Specifically, is the rental market stable, and is reliable assistance (like agents, property managers, contractors, etc.) available?

The bids I won, are down payments on property that has "small" balances under $20K but I do not see how this is legit. 

@Heather McNicol I’ve paid for 2 mentorship courses thinking they’d help me get to the next level only to realize I’d wasted my money on both of them to the tune of about $12,000 all told that I could have used as a partial down payment on my next property.

If it would help to get a more detailed estimate feel free to reach out.Documentation is rather limited, just ID, bank statement, LLC documents to start.Sometimes there are interest-only options at 30 and 40 years, generally the difference in payment fully amortized over I/O is minimal so it may not be worth it.