I'm in a similar position as William.

Be careful that you do not pump money into a program claiming to make you an investor and provide help in doing so . . . it will quickly become your fault for not being successful when you question things and the mentor aspect offered will disappear.Find local investors, get the foundation you need to focus on your area and stay positive in the journey,. 

We pride ourselves in keeping the forums positive, helpful, and focused on real estate (please, no politics, religion, etc.).

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Recently, my property taxes and insurance costs have increased significantly, turning what was once positive cash flow into negative cash flow.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

You’re not in a position to complain that title is doing what they would have done for you if you hadn’t become a title do-it-yourselfer.

Some helpful responses with the positives and negatives above. 

hi @Jonathan Orr, I came across your question in a search, because I'm actually in the same position. 

@Alesha Walker Refinancing your three properties into a 30-year note at 6-6.5% seems like the safer option, turning your negative cash flow into a positive $450-$500 per month, even though it delays your original goal of paying off properties within 15 years.