They will usually have multiple other contacts for you to connect with as well.

DSCRThere are multiple considerations to optimize the refinancing portion of the BRRRR method.

Get multiple quotes and make apples to apples comparisons.

My advise would be to obtain properties in multiple markets

I say amateur, because although I have had multiple SFR rentals for nearly 15 years I was new to the multi-plexs and new to the area that I was buying. 

Your wife has multiple children and a household to run. 

This can help you cover your mortgage while you build equity and gain more experience managing multiple tenants and building out better systems and processes if you do decide you want to pursue larger properties. 

I think increasing in small increments slowly over time makes more sense than waiting multiple years and resetting to the market (assuming you're able to to that in SF). 

There is a local lawyer who has threatened lawsuits multiple times. 

After multiple requests, they finally got a total owed placed on the Charges tab under properties.