But on your next property, you can certainly make the case that by putting 5% down you are saving 1.8% in cost.The interest rate is the same either way, whether you put 0 down or 5% down.And I am a HUGE fan of getting seller credit to cover your closing costs, that is something you would include in your offer(s).

I'd rather use the money to buy another property(s).....

Quote from @Kevin S.: @Jon L.I am thinking whatever questions you have, couldn't that be answered by Ai?     

I searched for a year while I was selling my 4 Commercial lots in S.

Those of us who don't practice real estate in the north or south Lake Tahoe areas, usually are members of Metrolist, which serves lower elevations.

Thanks @Bill S. that's a really good synopsis and opinion on it.

The interior is stuck in the 1980's but the condition of everything is still well-maintained.

Which buyer is S/he going to work harder for to see that a transaction closes successfully?

So some basic numbers on these homes:Total estimated value of all homes including their primary home: 5.8MTotal remaining loans on homes: ~900kInterest rates on these homes range from low 3’s to mid 4’sSo two questions: 1) Do I need to cash out refi each individual home if I want down payment money or can lenders lend based on the entire portfolio?

Maybe you can approach with a combination of selling the lowest performing or least desirable asset(s) and utilizing some for cash out towards reinvestment?