Best Wishes!

Those are spray and pray techniques that don't fit with sellers right now because sellers/owners are sitting on a very low rate and don't want to move to go up 4-5 points on their rate.Listings aren't a start now thing as well.

His good customer service convinced us to go with Kiavi over two other vendors offering similar rates.

Welcome Khalaf, best of luck on your journey

What about rate and term refinancing?

My best advice is to work with someone who can easily plug you in with their network of GCs, PMs, and lenders.

@Greg Abel Ive been using AppFolio for about 2 years now (took over from an old school firm that did everything by paper and had minimal record keeping at best).

When loans were called, was it due to specific triggers like delinquencies, insurance lapses, or low-interest rate portfolio loans held by smaller banks?

So the choice of tenant would be key.On the flip side, reasons to hold: a very low mortgage rate; probably not the case. 

I say this not to discourage you, but rather to encourage you to prepare for what lies ahead so that you have the best chance of success.