The price to rental income ratio in the Bay Area is very unfavorable for investors that are looking for cash flow properties.

I think you might find yourself having to refinance in an unfavorable environment down the line.Those are my thoughts.

You have found out something unfavorable, which was the whole point of your personally verifying contracts.

Do they generally come with higher interest rates or unfavorable terms to the borrower? 

In my analysis of local (Bend, OR) and a couple out of state markets, it is, as suspected, very clear that my local markets rent to price ratio is unfavorable (think $350k house rents for $1600).

If you look at the corporate tax structure, it is very unfavorable for businesses to be located in the city of Philadelphia.

Whether the market as a whole is favorable or unfavorable is really none of your business.

I purchased a fourplex under my name as I hadn't set up an LLC. now that I'm trying to cash-out refinance it, I'd like to do it under the LLC but seems like at this time, few banks are underwriting these type of properties and the commercial loans are more unfavorable (rates, amortization, etc) than residential.

However, there is an ordinance making its way through the process that would extend that to 5, but even that has changed and appears to be unfavorable to the house-hacking types. 

Commission is taxed as 1099 income and taxed unfavorably compared to long term capital gains, which you would make on the first two.