Have you secured considerably lower mortgage rates with credit unions compared to traditional bank rates?

This should give her more than enough time to earn a degree (or two), secure a nice job, save money, and have money for an investment. 

Do you have a value add like security cameras to justify an even higher premium?

Using a 2nd lien on the target property or cross-collateralizing with another property can provide security in case of default.

I can into you to our security's attorney if you'd like.You don't want to refi to add additional debt that will put you in a negative cash position.

You will receive the security deposit in Checking but then transfer it to Savings.Savings: Hold the deposit here so it's separate from operating funds.

I'm sure a more modern solution like Swiftlane will come at a price, but it may save you from some headaches with building security and tenant retention.No matter what you decide, congratulations on the 8 units thats awesome! 

How much of a security deposit do you have?

I'm frankly surprised at how robust the market has remained.

Hence some folks already able to secure 30YFRM below 6% this month.